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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 | $102,429+0.8% | $147,096-29.8% | $80,925+27.5% |
| Participation rate | 75.0% | 75.9%-0.9pp | 82.2%-7.2pp | 67.7%+7.3pp |
| Annual return | 19.04% | 135.02%-116.0pp | 419.75%-400.7pp | 35.65%-16.6pp |
| Employer contribution / active EE | $3,382 | $3,716-9.0% | $4,936-31.5% | $2,756+22.7% |
| Participant deferral / active EE | $7,060 | $6,649+6.2% | $8,071-12.5% | $4,299+64.2% |
| Admin fee / account holder | $4,639 | $7,957-41.7% | $13,005-64.3% | $6,940-33.2% |