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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 | $60,220 | $110,551-45.5% | $80,741-25.4% | $167,536-64.1% |
| Participation rate | 83.3% | 64.0%+19.4pp | 54.2%+29.2pp | 82.1%+1.2pp |
| Annual return | 15.65% | 120.57%-104.9pp | 87.30%-71.7pp | 478.82%-463.2pp |
| Employer contribution / active EE | $1,240 | $1,543-19.6% | $1,160+6.9% | $4,839-74.4% |
| Participant deferral / active EE | $5,869 | $2,870+104.5% | $2,145+173.6% | $6,342-7.5% |
| Admin fee / account holder | $2,442 | $4,547-46.3% | $3,380-27.8% | $12,315-80.2% |