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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 | $80,019 | $111,535-28.3% | $105,223-24.0% | $137,256-41.7% |
| Participation rate | 77.8% | 78.1%-0.3pp | 75.0%+2.7pp | 80.0%-2.2pp |
| Annual return | 16.75% | 237.85%-221.1pp | 180.65%-163.9pp | 220.34%-203.6pp |
| Employer contribution / active EE | $3,057 | $3,939-22.4% | $3,689-17.1% | $4,156-26.4% |
| Participant deferral / active EE | $7,666 | $5,500+39.4% | $5,072+51.2% | $6,407+19.7% |
| Admin fee / account holder | $16,751 | $9,721+72.3% | $8,859+89.1% | $12,270+36.5% |