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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 | $76,941 | $96,691-20.4% | $86,656-11.2% | $139,487-44.8% |
| Participation rate | 78.6% | 74.4%+4.2pp | 71.7%+6.9pp | 80.3%-1.8pp |
| Annual return | 12.08% | 106.87%-94.8pp | 593.09%-581.0pp | 373.84%-361.8pp |
| Employer contribution / active EE | $1,709 | $3,267-47.7% | $3,025-43.5% | $4,755-64.0% |
| Participant deferral / active EE | $4,897 | $4,838+1.2% | $4,439+10.3% | $6,713-27.0% |
| Admin fee / account holder | $2,870 | $6,414-55.3% | $5,619-48.9% | $11,407-74.8% |