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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 | $128,321 | $125,237+2.5% | $105,608+21.5% | $145,877-12.0% |
| Participation rate | 78.3% | 77.7%+0.6pp | 75.3%+3.0pp | 80.3%-2.0pp |
| Annual return | 12.39% | 225.76%-213.4pp | 116.50%-104.1pp | 551.28%-538.9pp |
| Employer contribution / active EE | $2,905 | $3,720-21.9% | $3,167-8.3% | $4,663-37.7% |
| Participant deferral / active EE | $7,447 | $5,711+30.4% | $5,010+48.7% | $6,691+11.3% |
| Admin fee / account holder | $933 | $17,287-94.6% | $11,028-91.5% | $13,402-93.0% |