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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 | $96,992 | $100,139-3.1% | $85,187+13.9% | $145,884-33.5% |
| Participation rate | 76.9% | 74.1%+2.8pp | 67.5%+9.4pp | 80.3%-3.4pp |
| Annual return | 12.26% | 84.15%-71.9pp | 66.67%-54.4pp | 551.85%-539.6pp |
| Employer contribution / active EE | $4,175 | $3,238+28.9% | $2,732+52.8% | $4,662-10.5% |
| Participant deferral / active EE | $8,280 | $5,296+56.4% | $4,525+83.0% | $6,690+23.8% |
| Admin fee / account holder | $385 | $7,262-94.7% | $6,162-93.7% | $13,392-97.1% |