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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 | $102,339 | $105,200-2.7% | $159,474-35.8% | $85,847+19.2% |
| Participation rate | 96.0% | 75.8%+20.2pp | 82.8%+13.2pp | 69.3%+26.7pp |
| Annual return | 15.51% | 45.08%-29.6pp | 263.68%-248.2pp | 318.61%-303.1pp |
| Employer contribution / active EE | $4,234 | $3,319+27.6% | $4,831-12.3% | $2,565+65.1% |
| Participant deferral / active EE | $6,992 | $5,946+17.6% | $7,353-4.9% | $3,952+76.9% |
| Admin fee / account holder | $5,394 | $6,934-22.2% | $10,802-50.1% | $6,261-13.8% |