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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 | $102,747 | $111,535-7.9% | $105,223-2.4% | $137,256-25.1% |
| Participation rate | 91.3% | 78.1%+13.2pp | 75.0%+16.3pp | 80.0%+11.3pp |
| Annual return | 18.51% | 237.85%-219.3pp | 180.65%-162.1pp | 220.34%-201.8pp |
| Employer contribution / active EE | $3,182 | $3,939-19.2% | $3,689-13.7% | $4,156-23.4% |
| Participant deferral / active EE | $7,639 | $5,500+38.9% | $5,072+50.6% | $6,407+19.2% |
| Admin fee / account holder | $510 | $9,721-94.8% | $8,859-94.2% | $12,270-95.8% |