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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 | $90,670 | $102,422-11.5% | $147,117-38.4% | $80,959+12.0% |
| Participation rate | 75.0% | 75.9%-0.9pp | 82.2%-7.2pp | 67.7%+7.3pp |
| Annual return | 14.65% | 135.16%-120.5pp | 420.54%-405.9pp | 35.67%-21.0pp |
| Employer contribution / active EE | $3,601 | $3,717-3.1% | $4,932-27.0% | $2,757+30.6% |
| Participant deferral / active EE | $8,042 | $6,652+20.9% | $8,065-0.3% | $4,300+87.0% |
| Admin fee / account holder | $3,405 | $7,953-57.2% | $12,993-73.8% | $6,925-50.8% |