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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 | $73,017 | $112,131-34.9% | $95,964-23.9% | $158,982-54.1% |
| Participation rate | 81.3% | 79.0%+2.3pp | 77.1%+4.2pp | 82.0%-0.7pp |
| Annual return | 14.36% | 171.19%-156.8pp | 91.64%-77.3pp | 302.99%-288.6pp |
| Employer contribution / active EE | $1,348 | $3,199-57.9% | $2,541-46.9% | $4,763-71.7% |
| Participant deferral / active EE | $1,951 | $4,784-59.2% | $4,167-53.2% | $5,983-67.4% |
| Admin fee / account holder | $4,578 | $10,136-54.8% | $6,797-32.6% | $11,252-59.3% |