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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 | $59,093 | $115,810-49.0% | $101,271-41.6% | $158,966-62.8% |
| Participation rate | 80.0% | 79.4%+0.6pp | 75.8%+4.2pp | 82.0%-2.0pp |
| Annual return | 13.94% | 56.15%-42.2pp | 46.48%-32.5pp | 302.95%-289.0pp |
| Employer contribution / active EE | $2,345 | $4,175-43.8% | $3,660-35.9% | $4,762-50.8% |
| Participant deferral / active EE | $2,965 | $4,958-40.2% | $4,371-32.2% | $5,983-50.4% |
| Admin fee / account holder | $6,756 | $7,248-6.8% | $5,948+13.6% | $11,250-39.9% |