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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 | $90,873 | $115,810-21.5% | $101,271-10.3% | $158,966-42.8% |
| Participation rate | 77.3% | 79.4%-2.1pp | 75.8%+1.5pp | 82.0%-4.7pp |
| Annual return | 10.76% | 56.15%-45.4pp | 46.48%-35.7pp | 302.95%-292.2pp |
| Employer contribution / active EE | $3,524 | $4,175-15.6% | $3,660-3.7% | $4,762-26.0% |
| Participant deferral / active EE | $5,149 | $4,958+3.9% | $4,371+17.8% | $5,983-13.9% |
| Admin fee / account holder | $24,774 | $7,248+241.8% | $5,948+316.5% | $11,250+120.2% |