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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 | $81,436 | $99,995-18.6% | $85,063-4.3% | $145,978-44.2% |
| Participation rate | 72.2% | 74.1%-1.9pp | 67.5%+4.7pp | 80.3%-8.1pp |
| Annual return | 12.42% | 83.99%-71.6pp | 66.54%-54.1pp | 550.52%-538.1pp |
| Employer contribution / active EE | $4,111 | $3,231+27.2% | $2,727+50.7% | $4,662-11.8% |
| Participant deferral / active EE | $2,535 | $5,295-52.1% | $4,523-43.9% | $6,690-62.1% |
| Admin fee / account holder | $5,352 | $7,255-26.2% | $6,155-13.1% | $13,400-60.1% |