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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 | $135,124 | $99,652+35.6% | $78,778+71.5% | $147,585-8.4% |
| Participation rate | 75.0% | 76.2%-1.2pp | 69.2%+5.8pp | 82.8%-7.8pp |
| Annual return | 13.52% | 47.28%-33.8pp | 35.62%-22.1pp | 578.58%-565.1pp |
| Employer contribution / active EE | $1,826 | $2,796-34.7% | $1,986-8.1% | $4,876-62.6% |
| Participant deferral / active EE | $7,967 | $3,664+117.5% | $2,958+169.3% | $5,439+46.5% |
| Admin fee / account holder | $360 | $7,155-95.0% | $5,134-93.0% | $10,886-96.7% |