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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 | $95,096 | $98,766-3.7% | $149,730-36.5% | $79,852+19.1% |
| Participation rate | 77.1% | 75.8%+1.4pp | 82.5%-5.3pp | 69.6%+7.5pp |
| Annual return | 22.87% | 27.43%-4.6pp | 276.70%-253.8pp | 31.72%-8.8pp |
| Employer contribution / active EE | $4,502 | $3,217+39.9% | $4,645-3.1% | $2,471+82.2% |
| Participant deferral / active EE | $9,381 | $5,681+65.1% | $6,843+37.1% | $3,740+150.8% |
| Admin fee / account holder | $2,590 | $6,052-57.2% | $9,310-72.2% | $5,306-51.2% |