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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 | $89,605 | $105,200-14.8% | $159,474-43.8% | $85,847+4.4% |
| Participation rate | 84.1% | 75.8%+8.3pp | 82.8%+1.3pp | 69.3%+14.8pp |
| Annual return | 28.90% | 45.08%-16.2pp | 263.68%-234.8pp | 318.61%-289.7pp |
| Employer contribution / active EE | $3,921 | $3,319+18.1% | $4,831-18.8% | $2,565+52.8% |
| Participant deferral / active EE | $8,255 | $5,946+38.8% | $7,353+12.3% | $3,952+108.9% |
| Admin fee / account holder | $5,367 | $6,934-22.6% | $10,802-50.3% | $6,261-14.3% |