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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 | $95,189 | $102,422-7.1% | $147,117-35.3% | $80,959+17.6% |
| Participation rate | 95.0% | 75.9%+19.1pp | 82.2%+12.8pp | 67.7%+27.3pp |
| Annual return | 14.78% | 135.16%-120.4pp | 420.54%-405.8pp | 35.67%-20.9pp |
| Employer contribution / active EE | $3,314 | $3,717-10.9% | $4,932-32.8% | $2,757+20.2% |
| Participant deferral / active EE | $15,387 | $6,652+131.3% | $8,065+90.8% | $4,300+257.8% |
| Admin fee / account holder | $13,175 | $7,953+65.7% | $12,993+1.4% | $6,925+90.2% |