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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 | $88,956 | $102,385-13.1% | $147,080-39.5% | $80,935+9.9% |
| Participation rate | 76.8% | 75.9%+0.9pp | 82.2%-5.4pp | 67.7%+9.1pp |
| Annual return | 16.41% | 135.09%-118.7pp | 420.17%-403.8pp | 35.66%-19.2pp |
| Employer contribution / active EE | $3,823 | $3,717+2.9% | $4,933-22.5% | $2,757+38.7% |
| Participant deferral / active EE | $4,948 | $6,651-25.6% | $8,066-38.7% | $4,299+15.1% |
| Admin fee / account holder | $5,441 | $7,951-31.6% | $12,989-58.1% | $6,924-21.4% |