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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 | $105,728 | $102,422+3.2% | $147,117-28.1% | $80,959+30.6% |
| Participation rate | 71.4% | 75.9%-4.4pp | 82.2%-10.8pp | 67.7%+3.8pp |
| Annual return | 12.73% | 135.16%-122.4pp | 420.54%-407.8pp | 35.67%-22.9pp |
| Employer contribution / active EE | $3,612 | $3,717-2.8% | $4,932-26.8% | $2,757+31.0% |
| Participant deferral / active EE | $7,849 | $6,652+18.0% | $8,065-2.7% | $4,300+82.5% |
| Admin fee / account holder | $1,523 | $7,953-80.9% | $12,993-88.3% | $6,925-78.0% |