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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 | $84,235 | $112,933-25.4% | $90,970-7.4% | $158,982-47.0% |
| Participation rate | 86.4% | 74.7%+11.6pp | 69.0%+17.3pp | 82.0%+4.4pp |
| Annual return | 16.96% | 215.82%-198.9pp | 134.60%-117.6pp | 302.99%-286.0pp |
| Employer contribution / active EE | $1,933 | $2,893-33.2% | $2,122-8.9% | $4,763-59.4% |
| Participant deferral / active EE | $4,008 | $4,128-2.9% | $3,373+18.8% | $5,983-33.0% |
| Admin fee / account holder | $10,168 | $8,047+26.4% | $5,961+70.6% | $11,252-9.6% |