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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 | $59,711 | $105,198-43.2% | $159,455-62.6% | $85,856-30.5% |
| Participation rate | 75.6% | 75.8%-0.2pp | 82.8%-7.2pp | 69.3%+6.3pp |
| Annual return | 17.24% | 45.08%-27.8pp | 263.63%-246.4pp | 318.58%-301.3pp |
| Employer contribution / active EE | $5,600 | $3,319+68.7% | $4,830+15.9% | $2,565+118.3% |
| Participant deferral / active EE | $13,016 | $5,946+118.9% | $7,353+77.0% | $3,952+229.4% |
| Admin fee / account holder | $2,391 | $6,934-65.5% | $10,800-77.9% | $6,261-61.8% |