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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 | $102,429-0.8% | $147,096-30.9% | $80,925+25.6% |
| Participation rate | 93.8% | 75.9%+17.9pp | 82.2%+11.6pp | 67.7%+26.1pp |
| Annual return | 13.85% | 135.02%-121.2pp | 419.75%-405.9pp | 35.65%-21.8pp |
| Employer contribution / active EE | $3,252 | $3,716-12.5% | $4,936-34.1% | $2,756+18.0% |
| Participant deferral / active EE | $8,494 | $6,649+27.8% | $8,071+5.2% | $4,299+97.6% |
| Admin fee / account holder | $6,761 | $7,957-15.0% | $13,005-48.0% | $6,940-2.6% |