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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 | $107,351 | $115,814-7.3% | $101,275+6.0% | $158,982-32.5% |
| Participation rate | 77.8% | 79.4%-1.6pp | 75.8%+2.0pp | 82.0%-4.2pp |
| Annual return | 13.29% | 56.16%-42.9pp | 46.48%-33.2pp | 302.99%-289.7pp |
| Employer contribution / active EE | $8,399 | $4,176+101.1% | $3,660+129.5% | $4,763+76.3% |
| Participant deferral / active EE | $1,558 | $4,958-68.6% | $4,371-64.4% | $5,983-74.0% |
| Admin fee / account holder | $10,910 | $7,249+50.5% | $5,948+83.4% | $11,252-3.0% |