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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 | $98,714 | $108,882-9.3% | $96,754+2.0% | $154,746-36.2% |
| Participation rate | 92.3% | 75.1%+17.2pp | 70.3%+22.0pp | 80.7%+11.6pp |
| Annual return | 17.29% | 98.39%-81.1pp | 82.04%-64.8pp | 172.34%-155.1pp |
| Employer contribution / active EE | $6,242 | $3,018+106.8% | $2,679+133.0% | $4,379+42.5% |
| Participant deferral / active EE | $12,773 | $5,323+140.0% | $4,758+168.4% | $6,730+89.8% |
| Admin fee / account holder | $9,418 | $10,200-7.7% | $8,905+5.8% | $14,365-34.4% |