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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 | $60,856 | $105,200-42.2% | $159,474-61.8% | $85,847-29.1% |
| Participation rate | 75.9% | 75.8%+0.1pp | 82.8%-7.0pp | 69.3%+6.5pp |
| Annual return | 15.22% | 45.08%-29.9pp | 263.68%-248.5pp | 318.61%-303.4pp |
| Employer contribution / active EE | $4,263 | $3,319+28.5% | $4,831-11.7% | $2,565+66.2% |
| Participant deferral / active EE | $7,325 | $5,946+23.2% | $7,353-0.4% | $3,952+85.3% |
| Admin fee / account holder | $4,821 | $6,934-30.5% | $10,802-55.4% | $6,261-23.0% |