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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 | $35,137 | $100,203-64.9% | $85,240-58.8% | $145,897-75.9% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 14.83% | 84.28%-69.5pp | 66.75%-51.9pp | 552.29%-537.5pp |
| Employer contribution / active EE | $3,074 | $3,242-5.2% | $2,735+12.4% | $4,663-34.1% |
| Participant deferral / active EE | $8,711 | $5,299+64.4% | $4,527+92.4% | $6,689+30.2% |
| Admin fee / account holder | $674 | $7,265-90.7% | $6,165-89.1% | $13,390-95.0% |