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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 | $78,103 | $88,672-11.9% | $105,223-25.8% | $82,448-5.3% |
| Participation rate | 84.1% | 67.9%+16.2pp | 75.0%+9.0pp | 68.1%+16.0pp |
| Annual return | 16.44% | 30.86%-14.4pp | 180.65%-164.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $10,299 | $3,048+237.9% | $3,689+179.2% | $2,551+303.7% |
| Participant deferral / active EE | $2,207 | $4,036-45.3% | $5,072-56.5% | $4,139-46.7% |
| Admin fee / account holder | $7,155 | $7,146+0.1% | $8,859-19.2% | $7,234-1.1% |