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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 | $103,058 | $115,810-11.0% | $101,271+1.8% | $158,966-35.2% |
| Participation rate | 90.5% | 79.4%+11.1pp | 75.8%+14.7pp | 82.0%+8.5pp |
| Annual return | 12.82% | 56.15%-43.3pp | 46.48%-33.7pp | 302.95%-290.1pp |
| Employer contribution / active EE | $2,325 | $4,175-44.3% | $3,660-36.5% | $4,762-51.2% |
| Participant deferral / active EE | $5,168 | $4,958+4.2% | $4,371+18.2% | $5,983-13.6% |
| Admin fee / account holder | $6,475 | $7,248-10.7% | $5,948+8.9% | $11,250-42.4% |