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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 | $76,313 | $105,198-27.5% | $159,455-52.1% | $85,856-11.1% |
| Participation rate | 78.6% | 75.8%+2.8pp | 82.8%-4.3pp | 69.3%+9.3pp |
| Annual return | 14.18% | 45.08%-30.9pp | 263.63%-249.5pp | 318.58%-304.4pp |
| Employer contribution / active EE | $6,556 | $3,319+97.5% | $4,830+35.7% | $2,565+155.6% |
| Participant deferral / active EE | $5,902 | $5,946-0.7% | $7,353-19.7% | $3,952+49.3% |
| Admin fee / account holder | $3,063 | $6,934-55.8% | $10,800-71.6% | $6,261-51.1% |