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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 | $69,382 | $104,937-33.9% | $84,628-18.0% | $152,897-54.6% |
| Participation rate | 81.8% | 74.8%+7.0pp | 68.2%+13.6pp | 82.5%-0.6pp |
| Annual return | 19.19% | 373.88%-354.7pp | 258.80%-239.6pp | 345.43%-326.2pp |
| Employer contribution / active EE | $1,297 | $3,303-60.7% | $2,653-51.1% | $4,764-72.8% |
| Participant deferral / active EE | $4,677 | $4,690-0.3% | $3,900+19.9% | $5,851-20.1% |
| Admin fee / account holder | $954 | $6,243-84.7% | $4,914-80.6% | $11,599-91.8% |