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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 | $130,507 | $111,535+17.0% | $105,223+24.0% | $137,256-4.9% |
| Participation rate | 88.9% | 78.1%+10.8pp | 75.0%+13.8pp | 80.0%+8.9pp |
| Annual return | 13.50% | 237.85%-224.4pp | 180.65%-167.2pp | 220.34%-206.8pp |
| Employer contribution / active EE | $2,177 | $3,939-44.7% | $3,689-41.0% | $4,156-47.6% |
| Participant deferral / active EE | $6,743 | $5,500+22.6% | $5,072+33.0% | $6,407+5.3% |
| Admin fee / account holder | $4,348 | $9,721-55.3% | $8,859-50.9% | $12,270-64.6% |