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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 | $67,714 | $160,028-57.7% | $147,080-54.0% | $145,884-53.6% |
| Participation rate | 73.9% | 84.0%-10.1pp | 82.2%-8.3pp | 80.3%-6.4pp |
| Annual return | 43.80% | 98.60%-54.8pp | 420.17%-376.4pp | 551.85%-508.0pp |
| Employer contribution / active EE | $4,725 | $5,286-10.6% | $4,933-4.2% | $4,662+1.4% |
| Participant deferral / active EE | $11,092 | $8,422+31.7% | $8,066+37.5% | $6,690+65.8% |
| Admin fee / account holder | $2,781 | $15,030-81.5% | $12,989-78.6% | $13,392-79.2% |