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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 | $126,519+1.4% | $106,201+20.8% | $145,959-12.1% |
| Participation rate | 78.3% | 77.7%+0.6pp | 75.3%+3.0pp | 80.3%-2.0pp |
| Annual return | 12.39% | 225.10%-212.7pp | 116.26%-103.9pp | 561.95%-549.6pp |
| Employer contribution / active EE | $2,905 | $3,726-22.0% | $3,170-8.4% | $4,661-37.7% |
| Participant deferral / active EE | $7,447 | $5,716+30.3% | $5,012+48.6% | $6,689+11.3% |
| Admin fee / account holder | $933 | $17,312-94.6% | $11,039-91.6% | $13,398-93.0% |