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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 | $71,243 | $110,039-35.3% | $97,260-26.8% | $145,884-51.2% |
| Participation rate | 77.8% | 75.9%+1.9pp | 72.7%+5.1pp | 80.3%-2.5pp |
| Annual return | 9.20% | 244.44%-235.2pp | 75.54%-66.3pp | 551.85%-542.6pp |
| Employer contribution / active EE | $1,549 | $3,074-49.6% | $2,721-43.1% | $4,662-66.8% |
| Participant deferral / active EE | $5,320 | $4,674+13.8% | $4,262+24.8% | $6,690-20.5% |
| Admin fee / account holder | $858 | $6,204-86.2% | $5,640-84.8% | $13,392-93.6% |