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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 | $81,341 | $100,139-18.8% | $85,187-4.5% | $145,884-44.2% |
| Participation rate | 95.0% | 74.1%+20.9pp | 67.5%+27.5pp | 80.3%+14.7pp |
| Annual return | 11.35% | 84.15%-72.8pp | 66.67%-55.3pp | 551.85%-540.5pp |
| Employer contribution / active EE | $2,901 | $3,238-10.4% | $2,732+6.2% | $4,662-37.8% |
| Participant deferral / active EE | $7,636 | $5,296+44.2% | $4,525+68.7% | $6,690+14.1% |
| Admin fee / account holder | $2,534 | $7,262-65.1% | $6,162-58.9% | $13,392-81.1% |