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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 | $81,297 | $102,422-20.6% | $147,117-44.7% | $80,959+0.4% |
| Participation rate | 70.0% | 75.9%-5.9pp | 82.2%-12.2pp | 67.7%+2.3pp |
| Annual return | 15.62% | 135.16%-119.5pp | 420.54%-404.9pp | 35.67%-20.1pp |
| Employer contribution / active EE | $3,472 | $3,717-6.6% | $4,932-29.6% | $2,757+25.9% |
| Participant deferral / active EE | $10,233 | $6,652+53.8% | $8,065+26.9% | $4,300+138.0% |
| Admin fee / account holder | $10,351 | $7,953+30.1% | $12,993-20.3% | $6,925+49.5% |