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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 | $91,923 | $125,778-26.9% | $114,563-19.8% | $154,746-40.6% |
| Participation rate | 80.0% | 75.2%+4.8pp | 72.9%+7.1pp | 80.7%-0.7pp |
| Annual return | 10.34% | 295.14%-284.8pp | 241.09%-230.8pp | 172.34%-162.0pp |
| Employer contribution / active EE | $2,302 | $2,806-17.9% | $2,592-11.2% | $4,379-47.4% |
| Participant deferral / active EE | $5,675 | $4,445+27.7% | $4,142+37.0% | $6,730-15.7% |
| Admin fee / account holder | $9,107 | $8,190+11.2% | $7,623+19.5% | $14,365-36.6% |