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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 | $108,281 | $111,785-3.1% | $93,669+15.6% | $145,877-25.8% |
| Participation rate | 71.4% | 74.2%-2.8pp | 68.7%+2.7pp | 80.3%-8.9pp |
| Annual return | 16.54% | 203.79%-187.2pp | 133.59%-117.1pp | 551.28%-534.7pp |
| Employer contribution / active EE | $2,225 | $3,096-28.1% | $2,424-8.2% | $4,663-52.3% |
| Participant deferral / active EE | $7,618 | $4,919+54.9% | $4,416+72.5% | $6,691+13.9% |
| Admin fee / account holder | $559 | $10,256-94.5% | $8,291-93.3% | $13,402-95.8% |