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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 | $96,238 | $102,422-6.0% | $147,117-34.6% | $80,959+18.9% |
| Participation rate | 94.7% | 75.9%+18.9pp | 82.2%+12.6pp | 67.7%+27.1pp |
| Annual return | 13.23% | 135.16%-121.9pp | 420.54%-407.3pp | 35.67%-22.4pp |
| Employer contribution / active EE | $3,041 | $3,717-18.2% | $4,932-38.3% | $2,757+10.3% |
| Participant deferral / active EE | $4,496 | $6,652-32.4% | $8,065-44.3% | $4,300+4.5% |
| Admin fee / account holder | $3,846 | $7,953-51.6% | $12,993-70.4% | $6,925-44.5% |