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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 | $116,741 | $115,814+0.8% | $101,275+15.3% | $158,982-26.6% |
| Participation rate | 90.0% | 79.4%+10.6pp | 75.8%+14.2pp | 82.0%+8.0pp |
| Annual return | 15.49% | 56.16%-40.7pp | 46.48%-31.0pp | 302.99%-287.5pp |
| Employer contribution / active EE | $1,662 | $4,176-60.2% | $3,660-54.6% | $4,763-65.1% |
| Participant deferral / active EE | $2,821 | $4,958-43.1% | $4,371-35.4% | $5,983-52.8% |
| Admin fee / account holder | $8,058 | $7,249+11.2% | $5,948+35.5% | $11,252-28.4% |