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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 | $97,090 | $102,429-5.2% | $147,096-34.0% | $80,925+20.0% |
| Participation rate | 94.7% | 75.9%+18.9pp | 82.2%+12.6pp | 67.7%+27.1pp |
| Annual return | 17.02% | 135.02%-118.0pp | 419.75%-402.7pp | 35.65%-18.6pp |
| Employer contribution / active EE | $3,626 | $3,716-2.4% | $4,936-26.5% | $2,756+31.6% |
| Participant deferral / active EE | $8,183 | $6,649+23.1% | $8,071+1.4% | $4,299+90.4% |
| Admin fee / account holder | $5,717 | $7,957-28.1% | $13,005-56.0% | $6,940-17.6% |