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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 | $94,943 | $118,875-20.1% | $96,572-1.7% | $167,553-43.3% |
| Participation rate | 81.8% | 75.5%+6.3pp | 69.8%+12.0pp | 82.1%-0.3pp |
| Annual return | 9.39% | 50.50%-41.1pp | 37.79%-28.4pp | 478.89%-469.5pp |
| Employer contribution / active EE | $2,214 | $3,121-29.1% | $2,357-6.1% | $4,840-54.3% |
| Participant deferral / active EE | $4,520 | $4,617-2.1% | $3,850+17.4% | $6,343-28.7% |
| Admin fee / account holder | $21,309 | $8,070+164.1% | $6,183+244.6% | $12,316+73.0% |