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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 | $85,566 | $111,535-23.3% | $105,223-18.7% | $137,256-37.7% |
| Participation rate | 85.7% | 78.1%+7.6pp | 75.0%+10.7pp | 80.0%+5.8pp |
| Annual return | 14.59% | 237.85%-223.3pp | 180.65%-166.1pp | 220.34%-205.7pp |
| Employer contribution / active EE | $9,218 | $3,939+134.0% | $3,689+149.9% | $4,156+121.8% |
| Participant deferral / active EE | $3,389 | $5,500-38.4% | $5,072-33.2% | $6,407-47.1% |
| Admin fee / account holder | $10,130 | $9,721+4.2% | $8,859+14.3% | $12,270-17.4% |