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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 | $82,485 | $166,131-50.3% | $164,975-50.0% | $145,877-43.5% |
| Participation rate | 95.5% | 82.0%+13.4pp | 78.6%+16.8pp | 80.3%+15.2pp |
| Annual return | 15.72% | 100.37%-84.6pp | 70.12%-54.4pp | 551.28%-535.6pp |
| Employer contribution / active EE | $3,978 | $5,276-24.6% | $4,343-8.4% | $4,663-14.7% |
| Participant deferral / active EE | $9,522 | $6,962+36.8% | $6,033+57.8% | $6,691+42.3% |
| Admin fee / account holder | $2,344 | $16,648-85.9% | $12,688-81.5% | $13,402-82.5% |