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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 | $95,836 | $105,200-8.9% | $159,474-39.9% | $85,847+11.6% |
| Participation rate | 83.3% | 75.8%+7.6pp | 82.8%+0.5pp | 69.3%+14.0pp |
| Annual return | 15.77% | 45.08%-29.3pp | 263.68%-247.9pp | 318.61%-302.8pp |
| Employer contribution / active EE | $2,508 | $3,319-24.4% | $4,831-48.1% | $2,565-2.3% |
| Participant deferral / active EE | $4,758 | $5,946-20.0% | $7,353-35.3% | $3,952+20.4% |
| Admin fee / account holder | $1,046 | $6,934-84.9% | $10,802-90.3% | $6,261-83.3% |