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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 | $87,647 | $102,429-14.4% | $147,096-40.4% | $80,925+8.3% |
| Participation rate | 85.9% | 75.9%+10.0pp | 82.2%+3.7pp | 67.7%+18.2pp |
| Annual return | 18.13% | 135.02%-116.9pp | 419.75%-401.6pp | 35.65%-17.5pp |
| Employer contribution / active EE | $4,591 | $3,716+23.6% | $4,936-7.0% | $2,756+66.6% |
| Participant deferral / active EE | $13,077 | $6,649+96.7% | $8,071+62.0% | $4,299+204.2% |
| Admin fee / account holder | $2,856 | $7,957-64.1% | $13,005-78.0% | $6,940-58.8% |