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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 | $113,384 | $137,414-17.5% | $189,537-40.2% | $85,847+32.1% |
| Participation rate | 86.8% | 84.6%+2.2pp | 87.8%-1.0pp | 69.3%+17.5pp |
| Annual return | 13.33% | 38.14%-24.8pp | 555.34%-542.0pp | 318.61%-305.3pp |
| Employer contribution / active EE | $1,869 | $4,344-57.0% | $6,161-69.7% | $2,565-27.1% |
| Participant deferral / active EE | $5,738 | $6,260-8.3% | $8,220-30.2% | $3,952+45.2% |
| Admin fee / account holder | $2,700 | $8,630-68.7% | $12,048-77.6% | $6,261-56.9% |