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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 | $187,585 | $102,422+83.1% | $147,117+27.5% | $80,959+131.7% |
| Participation rate | 92.0% | 75.9%+16.1pp | 82.2%+9.8pp | 67.7%+24.3pp |
| Annual return | 12.70% | 135.16%-122.5pp | 420.54%-407.8pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,837 | $3,717-23.7% | $4,932-42.5% | $2,757+2.9% |
| Participant deferral / active EE | $6,176 | $6,652-7.2% | $8,065-23.4% | $4,300+43.6% |
| Admin fee / account holder | $1,709 | $7,953-78.5% | $12,993-86.8% | $6,925-75.3% |