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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 | $92,234 | $116,360-20.7% | $65,566+40.7% | $139,466-33.9% |
| Participation rate | 81.8% | 67.8%+14.0pp | 64.9%+16.9pp | 80.3%+1.5pp |
| Annual return | 13.21% | 31.23%-18.0pp | 47.40%-34.2pp | 373.66%-360.5pp |
| Employer contribution / active EE | $4,091 | $2,600+57.4% | $1,692+141.8% | $4,754-13.9% |
| Participant deferral / active EE | $2,567 | $4,242-39.5% | $2,832-9.3% | $6,712-61.7% |
| Admin fee / account holder | $20,123 | $6,701+200.3% | $4,114+389.1% | $11,409+76.4% |