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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 | $82,380 | $105,198-21.7% | $159,455-48.3% | $85,856-4.0% |
| Participation rate | 74.2% | 75.8%-1.6pp | 82.8%-8.6pp | 69.3%+4.9pp |
| Annual return | 21.79% | 45.08%-23.3pp | 263.63%-241.8pp | 318.58%-296.8pp |
| Employer contribution / active EE | $3,464 | $3,319+4.4% | $4,830-28.3% | $2,565+35.0% |
| Participant deferral / active EE | $7,482 | $5,946+25.8% | $7,353+1.8% | $3,952+89.3% |
| Admin fee / account holder | $2,538 | $6,934-63.4% | $10,800-76.5% | $6,261-59.5% |