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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 | $106,284 | $112,933-5.9% | $90,970+16.8% | $158,982-33.1% |
| Participation rate | 76.5% | 74.7%+1.7pp | 69.0%+7.5pp | 82.0%-5.5pp |
| Annual return | 12.80% | 215.82%-203.0pp | 134.60%-121.8pp | 302.99%-290.2pp |
| Employer contribution / active EE | $1,586 | $2,893-45.2% | $2,122-25.2% | $4,763-66.7% |
| Participant deferral / active EE | $6,558 | $4,128+58.9% | $3,373+94.4% | $5,983+9.6% |
| Admin fee / account holder | $8,712 | $8,047+8.3% | $5,961+46.2% | $11,252-22.6% |