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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 | $108,321 | $114,119-5.1% | $107,187+1.1% | $138,895-22.0% |
| Participation rate | 85.7% | 78.1%+7.6pp | 75.0%+10.7pp | 79.9%+5.8pp |
| Annual return | 17.04% | 273.21%-256.2pp | 204.55%-187.5pp | 145.39%-128.4pp |
| Employer contribution / active EE | $12,671 | $4,059+212.2% | $3,782+235.0% | $4,194+202.1% |
| Participant deferral / active EE | $11,692 | $5,538+111.1% | $5,096+129.4% | $6,396+82.8% |
| Admin fee / account holder | $3,762 | $10,024-62.5% | $9,162-58.9% | $12,562-70.1% |