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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 | $94,333 | $105,200-10.3% | $159,474-40.8% | $85,847+9.9% |
| Participation rate | 88.5% | 75.8%+12.7pp | 82.8%+5.6pp | 69.3%+19.1pp |
| Annual return | 19.34% | 45.08%-25.7pp | 263.68%-244.3pp | 318.61%-299.3pp |
| Employer contribution / active EE | $9,471 | $3,319+185.4% | $4,831+96.1% | $2,565+269.2% |
| Participant deferral / active EE | $5,037 | $5,946-15.3% | $7,353-31.5% | $3,952+27.4% |
| Admin fee / account holder | $3,511 | $6,934-49.4% | $10,802-67.5% | $6,261-43.9% |