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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 | $109,145 | $129,737-15.9% | $119,126-8.4% | $154,746-29.5% |
| Participation rate | 80.0% | 78.9%+1.1pp | 75.8%+4.2pp | 80.7%-0.7pp |
| Annual return | 18.34% | 379.08%-360.7pp | 282.11%-263.8pp | 172.34%-154.0pp |
| Employer contribution / active EE | $2,052 | $4,375-53.1% | $4,034-49.1% | $4,379-53.1% |
| Participant deferral / active EE | $7,119 | $5,842+21.9% | $5,318+33.9% | $6,730+5.8% |
| Admin fee / account holder | $9,720 | $11,961-18.7% | $10,693-9.1% | $14,365-32.3% |