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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 | $74,049 | $132,634-44.2% | $115,768-36.0% | $137,256-46.1% |
| Participation rate | 77.3% | 77.9%-0.6pp | 74.4%+2.9pp | 80.0%-2.7pp |
| Annual return | 16.20% | 160.70%-144.5pp | 100.46%-84.3pp | 220.34%-204.1pp |
| Employer contribution / active EE | $1,215 | $3,360-63.8% | $2,940-58.7% | $4,156-70.8% |
| Participant deferral / active EE | $4,445 | $5,619-20.9% | $4,917-9.6% | $6,407-30.6% |
| Admin fee / account holder | $378 | $15,028-97.5% | $12,439-97.0% | $12,270-96.9% |