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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 | $207,509 | $227,597-8.8% | $189,575+9.5% | $167,536+23.9% |
| Participation rate | 72.2% | 82.5%-10.3pp | 78.4%-6.2pp | 82.1%-9.9pp |
| Annual return | 13.75% | 78.44%-64.7pp | 64.19%-50.4pp | 478.82%-465.1pp |
| Employer contribution / active EE | $2,068 | $5,316-61.1% | $4,412-53.1% | $4,839-57.3% |
| Participant deferral / active EE | $7,631 | $7,002+9.0% | $6,174+23.6% | $6,342+20.3% |
| Admin fee / account holder | $518 | $11,877-95.6% | $9,806-94.7% | $12,315-95.8% |