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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 | $71,430 | $102,385-30.2% | $147,080-51.4% | $80,935-11.7% |
| Participation rate | 71.0% | 75.9%-4.9pp | 82.2%-11.2pp | 67.7%+3.4pp |
| Annual return | 14.90% | 135.09%-120.2pp | 420.17%-405.3pp | 35.66%-20.8pp |
| Employer contribution / active EE | $2,887 | $3,717-22.3% | $4,933-41.5% | $2,757+4.7% |
| Participant deferral / active EE | $7,916 | $6,651+19.0% | $8,066-1.9% | $4,299+84.1% |
| Admin fee / account holder | $9,062 | $7,951+14.0% | $12,989-30.2% | $6,924+30.9% |