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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 | $92,181 | $109,411-15.7% | $89,435+3.1% | $158,982-42.0% |
| Participation rate | 75.0% | 74.3%+0.7pp | 68.0%+7.0pp | 82.0%-7.0pp |
| Annual return | 21.33% | 345.68%-324.3pp | 245.55%-224.2pp | 302.99%-281.7pp |
| Employer contribution / active EE | $2,112 | $3,173-33.4% | $2,587-18.4% | $4,763-55.7% |
| Participant deferral / active EE | $7,756 | $4,600+68.6% | $3,890+99.3% | $5,983+29.6% |
| Admin fee / account holder | $4,750 | $6,159-22.9% | $4,884-2.7% | $11,252-57.8% |