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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 | $58,162 | $132,634-56.1% | $115,768-49.8% | $137,256-57.6% |
| Participation rate | 75.0% | 77.9%-2.9pp | 74.4%+0.6pp | 80.0%-5.0pp |
| Annual return | 13.62% | 160.70%-147.1pp | 100.46%-86.8pp | 220.34%-206.7pp |
| Employer contribution / active EE | $2,308 | $3,360-31.3% | $2,940-21.5% | $4,156-44.5% |
| Participant deferral / active EE | $9,982 | $5,619+77.7% | $4,917+103.0% | $6,407+55.8% |
| Admin fee / account holder | $11,975 | $15,028-20.3% | $12,439-3.7% | $12,270-2.4% |