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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 | $86,579 | $152,619-43.3% | $125,195-30.8% | $152,909-43.4% |
| Participation rate | 76.5% | 83.3%-6.9pp | 79.8%-3.3pp | 82.5%-6.0pp |
| Annual return | 20.71% | 54.85%-34.1pp | 43.79%-23.1pp | 345.46%-324.8pp |
| Employer contribution / active EE | $2,795 | $4,947-43.5% | $3,866-27.7% | $4,764-41.3% |
| Participant deferral / active EE | $4,312 | $5,869-26.5% | $4,937-12.7% | $5,851-26.3% |
| Admin fee / account holder | $35,558 | $13,437+164.6% | $9,704+266.4% | $11,601+206.5% |