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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 | $87,133 | $80,812+7.8% | $160,784-45.8% | $82,448+5.7% |
| Participation rate | 90.6% | 66.2%+24.3pp | 77.0%+13.6pp | 68.1%+22.5pp |
| Annual return | 15.80% | 100.59%-84.8pp | 1803.92%-1788.1pp | 41.64%-25.8pp |
| Employer contribution / active EE | $2,030 | $2,174-6.6% | $3,733-45.6% | $2,551-20.4% |
| Participant deferral / active EE | $5,314 | $4,335+22.6% | $6,293-15.6% | $4,139+28.4% |
| Admin fee / account holder | $3,746 | $7,695-51.3% | $9,717-61.4% | $7,234-48.2% |