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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 | $94,918 | $102,638-7.5% | $81,991+15.8% | $158,966-40.3% |
| Participation rate | 75.0% | 75.5%-0.5pp | 69.3%+5.7pp | 82.0%-7.0pp |
| Annual return | 17.01% | 61.05%-44.0pp | 41.31%-24.3pp | 302.95%-285.9pp |
| Employer contribution / active EE | $2,723 | $3,241-16.0% | $2,498+9.0% | $4,762-42.8% |
| Participant deferral / active EE | $6,657 | $4,649+43.2% | $3,722+78.8% | $5,983+11.3% |
| Admin fee / account holder | $6,929 | $8,237-15.9% | $5,665+22.3% | $11,250-38.4% |