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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 | $101,643 | $102,422-0.8% | $147,117-30.9% | $80,959+25.5% |
| Participation rate | 93.8% | 75.9%+17.9pp | 82.2%+11.6pp | 67.7%+26.1pp |
| Annual return | 13.85% | 135.16%-121.3pp | 420.54%-406.7pp | 35.67%-21.8pp |
| Employer contribution / active EE | $3,252 | $3,717-12.5% | $4,932-34.1% | $2,757+17.9% |
| Participant deferral / active EE | $8,494 | $6,652+27.7% | $8,065+5.3% | $4,300+97.5% |
| Admin fee / account holder | $6,761 | $7,953-15.0% | $12,993-48.0% | $6,925-2.4% |