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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 | $73,241 | $114,093-35.8% | $96,171-23.8% | $167,536-56.3% |
| Participation rate | 88.9% | 75.1%+13.8pp | 68.4%+20.4pp | 82.1%+6.8pp |
| Annual return | 17.01% | 190.00%-173.0pp | 192.04%-175.0pp | 478.82%-461.8pp |
| Employer contribution / active EE | $1,923 | $3,429-43.9% | $2,799-31.3% | $4,839-60.3% |
| Participant deferral / active EE | $4,658 | $5,197-10.4% | $4,350+7.1% | $6,342-26.6% |
| Admin fee / account holder | $2,979 | $6,899-56.8% | $5,538-46.2% | $12,315-75.8% |