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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $151,408 | $99,079+52.8% | $78,002+94.1% | $273,972-44.7% |
| Participation rate | 76.9% | 78.6%-1.6pp | 75.5%+1.4pp | 83.0%-6.1pp |
| Annual return | 7.07% | 217.93%-210.9pp | 425.99%-418.9pp | 41.46%-34.4pp |
| Employer contribution / active EE | $1,478 | $3,308-55.3% | $2,470-40.1% | $4,869-69.6% |
| Participant deferral / active EE | $5,742 | $4,306+33.3% | $3,497+64.2% | $5,287+8.6% |
| Admin fee / account holder | $12,027 | $8,954+34.3% | $5,481+119.4% | $10,133+18.7% |