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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 | $81,671 | $105,200-22.4% | $159,474-48.8% | $85,847-4.9% |
| Participation rate | 90.6% | 75.8%+14.8pp | 82.8%+7.7pp | 69.3%+21.2pp |
| Annual return | 13.33% | 45.08%-31.7pp | 263.68%-250.3pp | 318.61%-305.3pp |
| Employer contribution / active EE | $2,088 | $3,319-37.1% | $4,831-56.8% | $2,565-18.6% |
| Participant deferral / active EE | $9,481 | $5,946+59.5% | $7,353+28.9% | $3,952+139.9% |
| Admin fee / account holder | $819 | $6,934-88.2% | $10,802-92.4% | $6,261-86.9% |