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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 | $114,943 | $135,645-15.3% | $110,243+4.3% | $135,380-15.1% |
| Participation rate | 75.0% | 83.5%-8.5pp | 79.8%-4.8pp | 82.6%-7.6pp |
| Annual return | 5.74% | 513.24%-507.5pp | 314.76%-309.0pp | 519.81%-514.1pp |
| Employer contribution / active EE | $2,560 | $4,907-47.8% | $3,827-33.1% | $4,779-46.4% |
| Participant deferral / active EE | $2,821 | $5,507-48.8% | $4,672-39.6% | $5,609-49.7% |
| Admin fee / account holder | $2,079 | $11,458-81.9% | $8,548-75.7% | $10,828-80.8% |