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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 | $82,896 | $75,832+9.3% | $147,617-43.8% | $59,633+39.0% |
| Participation rate | 72.8% | 71.6%+1.3pp | 84.6%-11.8pp | 68.7%+4.2pp |
| Annual return | 4.97% | 0.37%+4.6pp | 61.98%-57.0pp | 2041.45%-2036.5pp |
| Employer contribution / active EE | $2,427 | $3,485-30.4% | $5,564-56.4% | $2,203+10.2% |
| Participant deferral / active EE | $4,506 | $3,131+43.9% | $4,895-7.9% | $3,192+41.2% |
| Admin fee / account holder | $13,554 | $5,986+126.5% | $11,612+16.7% | $4,297+215.4% |