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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 | $109,189 | $102,429+6.6% | $147,096-25.8% | $80,925+34.9% |
| Participation rate | 75.0% | 75.9%-0.9pp | 82.2%-7.2pp | 67.7%+7.3pp |
| Annual return | 14.16% | 135.02%-120.9pp | 419.75%-405.6pp | 35.65%-21.5pp |
| Employer contribution / active EE | $4,001 | $3,716+7.7% | $4,936-18.9% | $2,756+45.2% |
| Participant deferral / active EE | $7,766 | $6,649+16.8% | $8,071-3.8% | $4,299+80.7% |
| Admin fee / account holder | $22,743 | $7,957+185.8% | $13,005+74.9% | $6,940+227.7% |