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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 | $83,620 | $114,130-26.7% | $96,192-13.1% | $167,553-50.1% |
| Participation rate | 76.2% | 75.1%+1.1pp | 68.4%+7.7pp | 82.1%-5.9pp |
| Annual return | 12.29% | 190.07%-177.8pp | 192.09%-179.8pp | 478.89%-466.6pp |
| Employer contribution / active EE | $1,482 | $3,431-56.8% | $2,799-47.1% | $4,840-69.4% |
| Participant deferral / active EE | $3,499 | $5,198-32.7% | $4,351-19.6% | $6,343-44.8% |
| Admin fee / account holder | $4,537 | $6,901-34.3% | $5,539-18.1% | $12,316-63.2% |