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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 | $103,282 | $105,200-1.8% | $159,474-35.2% | $85,847+20.3% |
| Participation rate | 93.5% | 75.8%+17.8pp | 82.8%+10.7pp | 69.3%+24.2pp |
| Annual return | 14.62% | 45.08%-30.5pp | 263.68%-249.1pp | 318.61%-304.0pp |
| Employer contribution / active EE | $6,394 | $3,319+92.7% | $4,831+32.4% | $2,565+149.3% |
| Participant deferral / active EE | $7,226 | $5,946+21.5% | $7,353-1.7% | $3,952+82.8% |
| Admin fee / account holder | $3,047 | $6,934-56.1% | $10,802-71.8% | $6,261-51.3% |