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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 | $64,170 | $105,210-39.0% | $159,487-59.8% | $85,851-25.3% |
| Participation rate | 76.9% | 75.8%+1.1pp | 82.8%-5.9pp | 69.3%+7.6pp |
| Annual return | 14.47% | 45.08%-30.6pp | 263.71%-249.2pp | 318.63%-304.2pp |
| Employer contribution / active EE | $3,376 | $3,319+1.7% | $4,831-30.1% | $2,565+31.6% |
| Participant deferral / active EE | $6,116 | $5,946+2.9% | $7,354-16.8% | $3,952+54.7% |
| Admin fee / account holder | $1,812 | $6,934-73.9% | $10,804-83.2% | $6,261-71.1% |