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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 | $103,818 | $157,296-34.0% | $141,191-26.5% | $152,897-32.1% |
| Participation rate | 87.5% | 84.8%+2.7pp | 82.5%+5.0pp | 82.5%+5.0pp |
| Annual return | 16.96% | 64.34%-47.4pp | 71.41%-54.4pp | 345.43%-328.5pp |
| Employer contribution / active EE | $4,883 | $5,262-7.2% | $4,736+3.1% | $4,764+2.5% |
| Participant deferral / active EE | $8,234 | $7,111+15.8% | $6,710+22.7% | $5,851+40.7% |
| Admin fee / account holder | $11,006 | $12,125-9.2% | $10,264+7.2% | $11,599-5.1% |