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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 | $85,907 | $97,125-11.5% | $86,233-0.4% | $137,256-37.4% |
| Participation rate | 70.0% | 74.2%-4.2pp | 69.0%+1.0pp | 80.0%-10.0pp |
| Annual return | 27.15% | 74.19%-47.0pp | 61.39%-34.2pp | 220.34%-193.2pp |
| Employer contribution / active EE | $3,898 | $2,841+37.2% | $2,504+55.6% | $4,156-6.2% |
| Participant deferral / active EE | $9,336 | $5,180+80.2% | $4,559+104.8% | $6,407+45.7% |
| Admin fee / account holder | $1,005 | $9,725-89.7% | $8,342-87.9% | $12,270-91.8% |