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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 | $160,907 | $99,079+62.4% | $78,002+106.3% | $273,972-41.3% |
| Participation rate | 70.6% | 78.6%-8.0pp | 75.5%-4.9pp | 83.0%-12.4pp |
| Annual return | 11.79% | 217.93%-206.1pp | 425.99%-414.2pp | 41.46%-29.7pp |
| Employer contribution / active EE | $2,880 | $3,308-12.9% | $2,470+16.6% | $4,869-40.9% |
| Participant deferral / active EE | $4,776 | $4,306+10.9% | $3,497+36.6% | $5,287-9.7% |
| Admin fee / account holder | $12,308 | $8,954+37.5% | $5,481+124.6% | $10,133+21.5% |