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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 | $76,048 | $109,344-30.5% | $89,400-14.9% | $158,950-52.2% |
| Participation rate | 70.0% | 74.3%-4.3pp | 68.0%+2.0pp | 82.0%-12.0pp |
| Annual return | 33.35% | 345.73%-312.4pp | 245.64%-212.3pp | 302.91%-269.6pp |
| Employer contribution / active EE | $2,780 | $3,170-12.3% | $2,586+7.5% | $4,762-41.6% |
| Participant deferral / active EE | $12,061 | $4,599+162.2% | $3,890+210.0% | $5,983+101.6% |
| Admin fee / account holder | $11,219 | $6,154+82.3% | $4,882+129.8% | $11,248-0.3% |