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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 | $111,704 | $102,429+9.1% | $147,096-24.1% | $80,925+38.0% |
| Participation rate | 75.0% | 75.9%-0.9pp | 82.2%-7.2pp | 67.7%+7.3pp |
| Annual return | 15.45% | 135.02%-119.6pp | 419.75%-404.3pp | 35.65%-20.2pp |
| Employer contribution / active EE | $3,175 | $3,716-14.5% | $4,936-35.7% | $2,756+15.2% |
| Participant deferral / active EE | $7,637 | $6,649+14.9% | $8,071-5.4% | $4,299+77.7% |
| Admin fee / account holder | $3,440 | $7,957-56.8% | $13,005-73.6% | $6,940-50.4% |