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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 | $92,762 | $56,134+65.3% | $96,171-3.5% | $85,847+8.1% |
| Participation rate | 90.9% | 56.7%+34.2pp | 68.4%+22.5pp | 69.3%+21.6pp |
| Annual return | 13.77% | 42.30%-28.5pp | 192.04%-178.3pp | 318.61%-304.8pp |
| Employer contribution / active EE | $3,122 | $1,620+92.7% | $2,799+11.6% | $2,565+21.7% |
| Participant deferral / active EE | $6,339 | $2,858+121.9% | $4,350+45.7% | $3,952+60.4% |
| Admin fee / account holder | $1,830 | $3,769-51.4% | $5,538-67.0% | $6,261-70.8% |