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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 | $77,039 | $111,785-31.1% | $93,669-17.8% | $145,877-47.2% |
| Participation rate | 80.0% | 74.2%+5.8pp | 68.7%+11.3pp | 80.3%-0.3pp |
| Annual return | 15.54% | 203.79%-188.2pp | 133.59%-118.0pp | 551.28%-535.7pp |
| Employer contribution / active EE | $2,321 | $3,096-25.0% | $2,424-4.2% | $4,663-50.2% |
| Participant deferral / active EE | $10,952 | $4,919+122.7% | $4,416+148.0% | $6,691+63.7% |
| Admin fee / account holder | $619 | $10,256-94.0% | $8,291-92.5% | $13,402-95.4% |