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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 | $79,208 | $115,810-31.6% | $101,271-21.8% | $158,966-50.2% |
| Participation rate | 93.8% | 79.4%+14.4pp | 75.8%+17.9pp | 82.0%+11.8pp |
| Annual return | 18.59% | 56.15%-37.6pp | 46.48%-27.9pp | 302.95%-284.4pp |
| Employer contribution / active EE | $1,686 | $4,175-59.6% | $3,660-53.9% | $4,762-64.6% |
| Participant deferral / active EE | $6,260 | $4,958+26.3% | $4,371+43.2% | $5,983+4.6% |
| Admin fee / account holder | $690 | $7,248-90.5% | $5,948-88.4% | $11,250-93.9% |