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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 | $92,704 | $102,385-9.5% | $147,080-37.0% | $80,935+14.5% |
| Participation rate | 90.4% | 75.9%+14.5pp | 82.2%+8.2pp | 67.7%+22.7pp |
| Annual return | 12.88% | 135.09%-122.2pp | 420.17%-407.3pp | 35.66%-22.8pp |
| Employer contribution / active EE | $2,179 | $3,717-41.4% | $4,933-55.8% | $2,757-20.9% |
| Participant deferral / active EE | $6,850 | $6,651+3.0% | $8,066-15.1% | $4,299+59.3% |
| Admin fee / account holder | $4,107 | $7,951-48.3% | $12,989-68.4% | $6,924-40.7% |