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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 | $126,117 | $183,592-31.3% | $155,574-18.9% | $145,877-13.5% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 22.73% | 61.37%-38.6pp | 64.87%-42.1pp | 551.28%-528.6pp |
| Employer contribution / active EE | $8,745 | $5,317+64.5% | $4,676+87.0% | $4,663+87.5% |
| Participant deferral / active EE | $7,641 | $6,466+18.2% | $5,629+35.7% | $6,691+14.2% |
| Admin fee / account holder | $3,446 | $19,316-82.2% | $15,914-78.3% | $13,402-74.3% |