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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 | $85,765 | $111,787-23.3% | $93,681-8.5% | $145,978-41.2% |
| Participation rate | 75.0% | 74.2%+0.8pp | 68.7%+6.3pp | 80.3%-5.3pp |
| Annual return | 28.20% | 203.52%-175.3pp | 133.47%-105.3pp | 550.52%-522.3pp |
| Employer contribution / active EE | $5,000 | $3,093+61.6% | $2,422+106.4% | $4,662+7.3% |
| Participant deferral / active EE | $6,666 | $4,918+35.5% | $4,415+51.0% | $6,690-0.4% |
| Admin fee / account holder | $15,725 | $10,256+53.3% | $8,290+89.7% | $13,400+17.4% |