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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 | $78,786 | $108,695-27.5% | $74,722+5.4% | $152,897-48.5% |
| Participation rate | 75.0% | 65.4%+9.6pp | 54.5%+20.5pp | 82.5%-7.5pp |
| Annual return | 17.33% | 114.11%-96.8pp | 753.11%-735.8pp | 345.43%-328.1pp |
| Employer contribution / active EE | $1,403 | $1,504-6.7% | $1,084+29.4% | $4,764-70.6% |
| Participant deferral / active EE | $1,800 | $2,712-33.6% | $1,963-8.3% | $5,851-69.2% |
| Admin fee / account holder | $11,276 | $4,906+129.8% | $3,335+238.1% | $11,599-2.8% |