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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 | $98,940 | $95,406+3.7% | $185,849-46.8% | $85,847+15.3% |
| Participation rate | 93.1% | 68.8%+24.3pp | 81.7%+11.4pp | 69.3%+23.8pp |
| Annual return | 16.41% | 23.59%-7.2pp | 122.10%-105.7pp | 318.61%-302.2pp |
| Employer contribution / active EE | $2,311 | $3,314-30.3% | $5,169-55.3% | $2,565-9.9% |
| Participant deferral / active EE | $5,370 | $3,424+56.8% | $5,569-3.6% | $3,952+35.9% |
| Admin fee / account holder | $10,581 | $7,214+46.7% | $16,244-34.9% | $6,261+69.0% |