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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 | $69,392 | $160,028-56.6% | $147,080-52.8% | $145,884-52.4% |
| Participation rate | 86.7% | 84.0%+2.6pp | 82.2%+4.5pp | 80.3%+6.4pp |
| Annual return | 13.94% | 98.60%-84.7pp | 420.17%-406.2pp | 551.85%-537.9pp |
| Employer contribution / active EE | $3,849 | $5,286-27.2% | $4,933-22.0% | $4,662-17.4% |
| Participant deferral / active EE | $4,017 | $8,422-52.3% | $8,066-50.2% | $6,690-40.0% |
| Admin fee / account holder | $7,257 | $15,030-51.7% | $12,989-44.1% | $13,392-45.8% |