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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 | $87,463 | $97,125-9.9% | $86,233+1.4% | $137,256-36.3% |
| Participation rate | 78.9% | 74.2%+4.8pp | 69.0%+9.9pp | 80.0%-1.0pp |
| Annual return | 15.38% | 74.19%-58.8pp | 61.39%-46.0pp | 220.34%-205.0pp |
| Employer contribution / active EE | $3,523 | $2,841+24.0% | $2,504+40.7% | $4,156-15.2% |
| Participant deferral / active EE | $8,112 | $5,180+56.6% | $4,559+77.9% | $6,407+26.6% |
| Admin fee / account holder | $2,823 | $9,725-71.0% | $8,342-66.2% | $12,270-77.0% |