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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 | $66,145 | $124,346-46.8% | $111,306-40.6% | $167,553-60.5% |
| Participation rate | 75.0% | 79.6%-4.6pp | 77.3%-2.3pp | 82.1%-7.1pp |
| Annual return | 26.31% | 37.46%-11.2pp | 54.67%-28.4pp | 478.89%-452.6pp |
| Employer contribution / active EE | $2,778 | $3,438-19.2% | $2,732+1.7% | $4,840-42.6% |
| Participant deferral / active EE | $7,236 | $5,182+39.7% | $4,488+61.3% | $6,343+14.1% |
| Admin fee / account holder | $473 | $10,623-95.5% | $7,966-94.1% | $12,316-96.2% |