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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 | $75,701 | $112,121-32.5% | $95,960-21.1% | $158,966-52.4% |
| Participation rate | 78.6% | 79.0%-0.4pp | 77.1%+1.5pp | 82.0%-3.4pp |
| Annual return | 17.92% | 171.16%-153.2pp | 91.63%-73.7pp | 302.95%-285.0pp |
| Employer contribution / active EE | $1,066 | $3,199-66.7% | $2,541-58.1% | $4,762-77.6% |
| Participant deferral / active EE | $1,994 | $4,784-58.3% | $4,167-52.1% | $5,983-66.7% |
| Admin fee / account holder | $7,836 | $10,135-22.7% | $6,797+15.3% | $11,250-30.3% |