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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 | $61,768 | $111,785-44.7% | $93,669-34.1% | $145,877-57.7% |
| Participation rate | 88.9% | 74.2%+14.7pp | 68.7%+20.2pp | 80.3%+8.6pp |
| Annual return | 18.82% | 203.79%-185.0pp | 133.59%-114.8pp | 551.28%-532.5pp |
| Employer contribution / active EE | $2,343 | $3,096-24.3% | $2,424-3.3% | $4,663-49.7% |
| Participant deferral / active EE | $7,035 | $4,919+43.0% | $4,416+59.3% | $6,691+5.2% |
| Admin fee / account holder | $693 | $10,256-93.2% | $8,291-91.6% | $13,402-94.8% |