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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 | $108,429 | $115,814-6.4% | $101,275+7.1% | $158,982-31.8% |
| Participation rate | 77.8% | 79.4%-1.6pp | 75.8%+2.0pp | 82.0%-4.2pp |
| Annual return | 14.49% | 56.16%-41.7pp | 46.48%-32.0pp | 302.99%-288.5pp |
| Employer contribution / active EE | $2,028 | $4,176-51.4% | $3,660-44.6% | $4,763-57.4% |
| Participant deferral / active EE | $5,941 | $4,958+19.8% | $4,371+35.9% | $5,983-0.7% |
| Admin fee / account holder | $875 | $7,249-87.9% | $5,948-85.3% | $11,252-92.2% |