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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 | $91,388 | $137,414-33.5% | $189,537-51.8% | $85,847+6.5% |
| Participation rate | 75.0% | 84.6%-9.6pp | 87.8%-12.8pp | 69.3%+5.7pp |
| Annual return | 29.22% | 38.14%-8.9pp | 555.34%-526.1pp | 318.61%-289.4pp |
| Employer contribution / active EE | $1,634 | $4,344-62.4% | $6,161-73.5% | $2,565-36.3% |
| Participant deferral / active EE | $5,848 | $6,260-6.6% | $8,220-28.9% | $3,952+48.0% |
| Admin fee / account holder | $13,406 | $8,630+55.4% | $12,048+11.3% | $6,261+114.1% |