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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 | $74,793 | $96,691-22.6% | $86,656-13.7% | $139,487-46.4% |
| Participation rate | 70.0% | 74.4%-4.4pp | 71.7%-1.7pp | 80.3%-10.3pp |
| Annual return | 15.59% | 106.87%-91.3pp | 593.09%-577.5pp | 373.84%-358.2pp |
| Employer contribution / active EE | $1,422 | $3,267-56.5% | $3,025-53.0% | $4,755-70.1% |
| Participant deferral / active EE | $4,813 | $4,838-0.5% | $4,439+8.4% | $6,713-28.3% |
| Admin fee / account holder | $2,913 | $6,414-54.6% | $5,619-48.2% | $11,407-74.5% |