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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 | $78,467 | $102,385-23.4% | $147,080-46.7% | $80,935-3.1% |
| Participation rate | 81.3% | 75.9%+5.4pp | 82.2%-0.9pp | 67.7%+13.6pp |
| Annual return | 14.35% | 135.09%-120.7pp | 420.17%-405.8pp | 35.66%-21.3pp |
| Employer contribution / active EE | $3,197 | $3,717-14.0% | $4,933-35.2% | $2,757+16.0% |
| Participant deferral / active EE | $9,694 | $6,651+45.8% | $8,066+20.2% | $4,299+125.5% |
| Admin fee / account holder | $13,676 | $7,951+72.0% | $12,989+5.3% | $6,924+97.5% |