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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 | $113,450 | $157,304-27.9% | $141,197-19.7% | $152,909-25.8% |
| Participation rate | 75.0% | 84.8%-9.8pp | 82.5%-7.5pp | 82.5%-7.5pp |
| Annual return | 22.47% | 64.34%-41.9pp | 71.41%-48.9pp | 345.46%-323.0pp |
| Employer contribution / active EE | $13,639 | $5,263+159.2% | $4,736+188.0% | $4,764+186.3% |
| Participant deferral / active EE | $6,461 | $7,111-9.1% | $6,710-3.7% | $5,851+10.4% |
| Admin fee / account holder | $3,262 | $12,126-73.1% | $10,265-68.2% | $11,601-71.9% |