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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 | $57,651 | $111,785-48.4% | $93,669-38.5% | $145,877-60.5% |
| Participation rate | 70.0% | 74.2%-4.2pp | 68.7%+1.3pp | 80.3%-10.3pp |
| Annual return | 14.46% | 203.79%-189.3pp | 133.59%-119.1pp | 551.28%-536.8pp |
| Employer contribution / active EE | $1,785 | $3,096-42.4% | $2,424-26.4% | $4,663-61.7% |
| Participant deferral / active EE | $4,810 | $4,919-2.2% | $4,416+8.9% | $6,691-28.1% |
| Admin fee / account holder | $3,711 | $10,256-63.8% | $8,291-55.2% | $13,402-72.3% |