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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 | $105,982 | $102,429+3.5% | $147,096-28.0% | $80,925+31.0% |
| Participation rate | 70.4% | 75.9%-5.5pp | 82.2%-11.8pp | 67.7%+2.7pp |
| Annual return | 12.07% | 135.02%-123.0pp | 419.75%-407.7pp | 35.65%-23.6pp |
| Employer contribution / active EE | $3,126 | $3,716-15.9% | $4,936-36.7% | $2,756+13.4% |
| Participant deferral / active EE | $7,834 | $6,649+17.8% | $8,071-2.9% | $4,299+82.2% |
| Admin fee / account holder | $2,845 | $7,957-64.2% | $13,005-78.1% | $6,940-59.0% |