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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 | $92,480 | $100,139-7.6% | $85,187+8.6% | $145,884-36.6% |
| Participation rate | 85.7% | 74.1%+11.6pp | 67.5%+18.2pp | 80.3%+5.4pp |
| Annual return | 13.73% | 84.15%-70.4pp | 66.67%-52.9pp | 551.85%-538.1pp |
| Employer contribution / active EE | $3,110 | $3,238-4.0% | $2,732+13.8% | $4,662-33.3% |
| Participant deferral / active EE | $8,057 | $5,296+52.2% | $4,525+78.1% | $6,690+20.4% |
| Admin fee / account holder | $772 | $7,262-89.4% | $6,162-87.5% | $13,392-94.2% |