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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 | $95,086 | $102,385-7.1% | $147,080-35.4% | $80,935+17.5% |
| Participation rate | 76.7% | 75.9%+0.8pp | 82.2%-5.5pp | 67.7%+9.0pp |
| Annual return | 17.26% | 135.09%-117.8pp | 420.17%-402.9pp | 35.66%-18.4pp |
| Employer contribution / active EE | $5,052 | $3,717+35.9% | $4,933+2.4% | $2,757+83.3% |
| Participant deferral / active EE | $6,726 | $6,651+1.1% | $8,066-16.6% | $4,299+56.4% |
| Admin fee / account holder | $1,908 | $7,951-76.0% | $12,989-85.3% | $6,924-72.5% |