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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 | $112,365 | $111,535+0.7% | $105,223+6.8% | $137,256-18.1% |
| Participation rate | 92.3% | 78.1%+14.2pp | 75.0%+17.3pp | 80.0%+12.3pp |
| Annual return | 13.84% | 237.85%-224.0pp | 180.65%-166.8pp | 220.34%-206.5pp |
| Employer contribution / active EE | $2,903 | $3,939-26.3% | $3,689-21.3% | $4,156-30.2% |
| Participant deferral / active EE | $5,900 | $5,500+7.3% | $5,072+16.3% | $6,407-7.9% |
| Admin fee / account holder | $14,146 | $9,721+45.5% | $8,859+59.7% | $12,270+15.3% |