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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 | $96,206 | $111,878-14.0% | $93,727+2.6% | $145,897-34.1% |
| Participation rate | 76.2% | 74.2%+2.0pp | 68.7%+7.5pp | 80.3%-4.1pp |
| Annual return | 18.05% | 204.28%-186.2pp | 133.83%-115.8pp | 552.29%-534.2pp |
| Employer contribution / active EE | $1,173 | $3,092-62.1% | $2,421-51.6% | $4,663-74.8% |
| Participant deferral / active EE | $2,076 | $4,920-57.8% | $4,417-53.0% | $6,689-69.0% |
| Admin fee / account holder | $788 | $10,256-92.3% | $8,292-90.5% | $13,390-94.1% |