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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 | $123,318 | $121,677+1.3% | $104,625+17.9% | $158,966-22.4% |
| Participation rate | 72.7% | 77.5%-4.8pp | 74.1%-1.3pp | 82.0%-9.2pp |
| Annual return | 16.91% | 465.58%-448.7pp | 340.60%-323.7pp | 302.95%-286.0pp |
| Employer contribution / active EE | $1,843 | $3,165-41.8% | $2,681-31.3% | $4,762-61.3% |
| Participant deferral / active EE | $5,068 | $4,175+21.4% | $3,738+35.6% | $5,983-15.3% |
| Admin fee / account holder | $3,442 | $7,777-55.7% | $6,465-46.8% | $11,250-69.4% |