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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 | $102,946 | $93,373+10.3% | $152,473-32.5% | $85,847+19.9% |
| Participation rate | 76.9% | 70.1%+6.8pp | 78.2%-1.3pp | 69.3%+7.6pp |
| Annual return | 16.86% | 21.84%-5.0pp | 757.59%-740.7pp | 318.61%-301.7pp |
| Employer contribution / active EE | $5,457 | $2,996+82.2% | $4,326+26.2% | $2,565+112.7% |
| Participant deferral / active EE | $7,569 | $4,550+66.3% | $5,817+30.1% | $3,952+91.5% |
| Admin fee / account holder | $3,590 | $13,853-74.1% | $15,811-77.3% | $6,261-42.7% |