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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 | $92,407 | $105,210-12.2% | $159,487-42.1% | $85,851+7.6% |
| Participation rate | 84.6% | 75.8%+8.8pp | 82.8%+1.8pp | 69.3%+15.3pp |
| Annual return | 13.59% | 45.08%-31.5pp | 263.71%-250.1pp | 318.63%-305.0pp |
| Employer contribution / active EE | $2,315 | $3,319-30.2% | $4,831-52.1% | $2,565-9.7% |
| Participant deferral / active EE | $5,189 | $5,946-12.7% | $7,354-29.4% | $3,952+31.3% |
| Admin fee / account holder | $2,146 | $6,934-69.0% | $10,804-80.1% | $6,261-65.7% |