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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 | $136,972 | $105,200+30.2% | $159,474-14.1% | $85,847+59.6% |
| Participation rate | 72.7% | 75.8%-3.1pp | 82.8%-10.1pp | 69.3%+3.4pp |
| Annual return | 15.17% | 45.08%-29.9pp | 263.68%-248.5pp | 318.61%-303.4pp |
| Employer contribution / active EE | $3,593 | $3,319+8.3% | $4,831-25.6% | $2,565+40.1% |
| Participant deferral / active EE | $9,805 | $5,946+64.9% | $7,353+33.3% | $3,952+148.1% |
| Admin fee / account holder | $9,887 | $6,934+42.6% | $10,802-8.5% | $6,261+57.9% |