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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 | $84,375 | $111,785-24.5% | $93,669-9.9% | $145,877-42.2% |
| Participation rate | 78.9% | 74.2%+4.7pp | 68.7%+10.2pp | 80.3%-1.4pp |
| Annual return | 9.79% | 203.79%-194.0pp | 133.59%-123.8pp | 551.28%-541.5pp |
| Employer contribution / active EE | $2,277 | $3,096-26.4% | $2,424-6.0% | $4,663-51.2% |
| Participant deferral / active EE | $9,531 | $4,919+93.8% | $4,416+115.9% | $6,691+42.5% |
| Admin fee / account holder | $2,374 | $10,256-76.8% | $8,291-71.4% | $13,402-82.3% |