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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 | $86,834 | $96,643-10.2% | $86,617+0.2% | $139,456-37.7% |
| Participation rate | 75.0% | 74.4%+0.6pp | 71.7%+3.3pp | 80.3%-5.3pp |
| Annual return | 17.55% | 106.57%-89.0pp | 591.91%-574.4pp | 373.45%-355.9pp |
| Employer contribution / active EE | $2,014 | $3,264-38.3% | $3,023-33.4% | $4,753-57.6% |
| Participant deferral / active EE | $10,283 | $4,835+112.7% | $4,437+131.8% | $6,711+53.2% |
| Admin fee / account holder | $638 | $6,406-90.0% | $5,613-88.6% | $11,407-94.4% |