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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 | $71,804 | $112,915-36.4% | $90,965-21.1% | $158,950-54.8% |
| Participation rate | 88.9% | 74.7%+14.2pp | 69.0%+19.9pp | 82.0%+6.9pp |
| Annual return | 8.33% | 215.75%-207.4pp | 134.57%-126.2pp | 302.91%-294.6pp |
| Employer contribution / active EE | $1,590 | $2,894-45.1% | $2,122-25.1% | $4,762-66.6% |
| Participant deferral / active EE | $4,207 | $4,128+1.9% | $3,373+24.7% | $5,983-29.7% |
| Admin fee / account holder | $4,417 | $8,044-45.1% | $5,960-25.9% | $11,248-60.7% |