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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 | $75,593 | $106,923-29.3% | $84,023-10.0% | $152,909-50.6% |
| Participation rate | 81.8% | 75.3%+6.6pp | 69.0%+12.8pp | 82.5%-0.6pp |
| Annual return | 14.83% | 105.02%-90.2pp | 71.32%-56.5pp | 345.46%-330.6pp |
| Employer contribution / active EE | $1,573 | $2,735-42.5% | $1,984-20.7% | $4,764-67.0% |
| Participant deferral / active EE | $3,598 | $4,013-10.3% | $3,239+11.1% | $5,851-38.5% |
| Admin fee / account holder | $2,438 | $8,289-70.6% | $6,102-60.0% | $11,601-79.0% |