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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 | $40,124 | $111,830-64.1% | $93,696-57.2% | $145,884-72.5% |
| Participation rate | 75.0% | 74.2%+0.8pp | 68.7%+6.3pp | 80.3%-5.3pp |
| Annual return | 14.90% | 204.08%-189.2pp | 133.74%-118.8pp | 551.85%-537.0pp |
| Employer contribution / active EE | $3,114 | $3,093+0.7% | $2,422+28.6% | $4,662-33.2% |
| Participant deferral / active EE | $7,965 | $4,920+61.9% | $4,417+80.3% | $6,690+19.1% |
| Admin fee / account holder | $5,781 | $10,249-43.6% | $8,287-30.2% | $13,392-56.8% |