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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 | $52,039 | $160,028-67.5% | $147,080-64.6% | $145,884-64.3% |
| Participation rate | 71.4% | 84.0%-12.6pp | 82.2%-10.8pp | 80.3%-8.9pp |
| Annual return | 16.27% | 98.60%-82.3pp | 420.17%-403.9pp | 551.85%-535.6pp |
| Employer contribution / active EE | $1,873 | $5,286-64.6% | $4,933-62.0% | $4,662-59.8% |
| Participant deferral / active EE | $7,335 | $8,422-12.9% | $8,066-9.1% | $6,690+9.7% |
| Admin fee / account holder | $5,751 | $15,030-61.7% | $12,989-55.7% | $13,392-57.1% |