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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 | $115,286 | $102,429+12.6% | $147,096-21.6% | $80,925+42.5% |
| Participation rate | 73.3% | 75.9%-2.5pp | 82.2%-8.8pp | 67.7%+5.7pp |
| Annual return | 17.35% | 135.02%-117.7pp | 419.75%-402.4pp | 35.65%-18.3pp |
| Employer contribution / active EE | $3,037 | $3,716-18.3% | $4,936-38.5% | $2,756+10.2% |
| Participant deferral / active EE | $7,423 | $6,649+11.6% | $8,071-8.0% | $4,299+72.7% |
| Admin fee / account holder | $8,596 | $7,957+8.0% | $13,005-33.9% | $6,940+23.9% |