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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 | $103,208 | $102,422+0.8% | $147,117-29.8% | $80,959+27.5% |
| Participation rate | 75.0% | 75.9%-0.9pp | 82.2%-7.2pp | 67.7%+7.3pp |
| Annual return | 19.04% | 135.16%-116.1pp | 420.54%-401.5pp | 35.67%-16.6pp |
| Employer contribution / active EE | $3,382 | $3,717-9.0% | $4,932-31.4% | $2,757+22.7% |
| Participant deferral / active EE | $7,060 | $6,652+6.1% | $8,065-12.5% | $4,300+64.2% |
| Admin fee / account holder | $4,639 | $7,953-41.7% | $12,993-64.3% | $6,925-33.0% |