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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 | $103,386 | $105,160-1.7% | $94,679+9.2% | $139,456-25.9% |
| Participation rate | 83.3% | 82.4%+1.0pp | 80.8%+2.5pp | 80.3%+3.0pp |
| Annual return | 18.85% | 38.04%-19.2pp | 156.75%-137.9pp | 373.45%-354.6pp |
| Employer contribution / active EE | $2,558 | $4,107-37.7% | $3,673-30.4% | $4,753-46.2% |
| Participant deferral / active EE | $12,120 | $7,599+59.5% | $7,417+63.4% | $6,711+80.6% |
| Admin fee / account holder | $1,078 | $8,988-88.0% | $7,233-85.1% | $11,407-90.5% |