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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 | $82,399 | $105,200-21.7% | $159,474-48.3% | $85,847-4.0% |
| Participation rate | 74.2% | 75.8%-1.6pp | 82.8%-8.6pp | 69.3%+4.9pp |
| Annual return | 18.02% | 45.08%-27.1pp | 263.68%-245.7pp | 318.61%-300.6pp |
| Employer contribution / active EE | $9,726 | $3,319+193.1% | $4,831+101.3% | $2,565+279.1% |
| Participant deferral / active EE | $13,720 | $5,946+130.8% | $7,353+86.6% | $3,952+247.2% |
| Admin fee / account holder | $17,545 | $6,934+153.0% | $10,802+62.4% | $6,261+180.2% |