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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 | $95,113 | $100,073-5.0% | $85,126+11.7% | $145,877-34.8% |
| Participation rate | 87.5% | 74.1%+13.4pp | 67.5%+20.0pp | 80.3%+7.2pp |
| Annual return | 20.73% | 84.11%-63.4pp | 66.63%-45.9pp | 551.28%-530.6pp |
| Employer contribution / active EE | $4,815 | $3,236+48.8% | $2,731+76.3% | $4,663+3.3% |
| Participant deferral / active EE | $10,264 | $5,294+93.9% | $4,523+126.9% | $6,691+53.4% |
| Admin fee / account holder | $6,445 | $7,261-11.2% | $6,160+4.6% | $13,402-51.9% |