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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 | $81,239 | $112,121-27.5% | $95,960-15.3% | $158,966-48.9% |
| Participation rate | 77.8% | 79.0%-1.2pp | 77.1%+0.7pp | 82.0%-4.2pp |
| Annual return | 14.88% | 171.16%-156.3pp | 91.63%-76.8pp | 302.95%-288.1pp |
| Employer contribution / active EE | $1,014 | $3,199-68.3% | $2,541-60.1% | $4,762-78.7% |
| Participant deferral / active EE | $2,784 | $4,784-41.8% | $4,167-33.2% | $5,983-53.5% |
| Admin fee / account holder | $9,609 | $10,135-5.2% | $6,797+41.4% | $11,250-14.6% |