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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 | $86,367 | $102,429-15.7% | $147,096-41.3% | $80,925+6.7% |
| Participation rate | 77.2% | 75.9%+1.4pp | 82.2%-5.0pp | 67.7%+9.6pp |
| Annual return | 19.01% | 135.02%-116.0pp | 419.75%-400.7pp | 35.65%-16.6pp |
| Employer contribution / active EE | $4,028 | $3,716+8.4% | $4,936-18.4% | $2,756+46.1% |
| Participant deferral / active EE | $8,781 | $6,649+32.1% | $8,071+8.8% | $4,299+104.3% |
| Admin fee / account holder | $9,170 | $7,957+15.2% | $13,005-29.5% | $6,940+32.1% |