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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 | $96,483 | $111,830-13.7% | $93,696+3.0% | $145,884-33.9% |
| Participation rate | 90.0% | 74.2%+15.8pp | 68.7%+21.3pp | 80.3%+9.7pp |
| Annual return | 11.21% | 204.08%-192.9pp | 133.74%-122.5pp | 551.85%-540.6pp |
| Employer contribution / active EE | $716 | $3,093-76.9% | $2,422-70.5% | $4,662-84.7% |
| Participant deferral / active EE | $4,445 | $4,920-9.7% | $4,417+0.6% | $6,690-33.6% |
| Admin fee / account holder | $24,555 | $10,249+139.6% | $8,287+196.3% | $13,392+83.4% |