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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 | $59,738 | $100,203-40.4% | $85,240-29.9% | $145,897-59.1% |
| Participation rate | 80.0% | 74.1%+5.9pp | 67.5%+12.5pp | 80.3%-0.3pp |
| Annual return | 14.39% | 84.28%-69.9pp | 66.75%-52.4pp | 552.29%-537.9pp |
| Employer contribution / active EE | $2,923 | $3,242-9.8% | $2,735+6.9% | $4,663-37.3% |
| Participant deferral / active EE | $1,318 | $5,299-75.1% | $4,527-70.9% | $6,689-80.3% |
| Admin fee / account holder | $2,578 | $7,265-64.5% | $6,165-58.2% | $13,390-80.8% |