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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 | $78,656 | $112,915-30.3% | $90,965-13.5% | $158,950-50.5% |
| Participation rate | 81.8% | 74.7%+7.1pp | 69.0%+12.8pp | 82.0%-0.1pp |
| Annual return | 12.53% | 215.75%-203.2pp | 134.57%-122.0pp | 302.91%-290.4pp |
| Employer contribution / active EE | $2,716 | $2,894-6.2% | $2,122+28.0% | $4,762-43.0% |
| Participant deferral / active EE | $6,695 | $4,128+62.2% | $3,373+98.5% | $5,983+11.9% |
| Admin fee / account holder | $787 | $8,044-90.2% | $5,960-86.8% | $11,248-93.0% |