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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 | $123,470 | $102,429+20.5% | $147,096-16.1% | $80,925+52.6% |
| Participation rate | 72.2% | 75.9%-3.6pp | 82.2%-10.0pp | 67.7%+4.6pp |
| Annual return | 18.43% | 135.02%-116.6pp | 419.75%-401.3pp | 35.65%-17.2pp |
| Employer contribution / active EE | $4,411 | $3,716+18.7% | $4,936-10.6% | $2,756+60.1% |
| Participant deferral / active EE | $7,925 | $6,649+19.2% | $8,071-1.8% | $4,299+84.4% |
| Admin fee / account holder | $1,265 | $7,957-84.1% | $13,005-90.3% | $6,940-81.8% |