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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 | $133,289 | $152,612-12.7% | $125,192+6.5% | $152,897-12.8% |
| Participation rate | 90.0% | 83.3%+6.7pp | 79.8%+10.2pp | 82.5%+7.5pp |
| Annual return | 10.33% | 54.85%-44.5pp | 43.79%-33.5pp | 345.43%-335.1pp |
| Employer contribution / active EE | $7,166 | $4,947+44.9% | $3,866+85.4% | $4,764+50.4% |
| Participant deferral / active EE | $4,692 | $5,868-20.0% | $4,937-5.0% | $5,851-19.8% |
| Admin fee / account holder | $5,067 | $13,437-62.3% | $9,704-47.8% | $11,599-56.3% |