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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 | $83,036 | $111,830-25.7% | $93,696-11.4% | $145,884-43.1% |
| Participation rate | 80.0% | 74.2%+5.8pp | 68.7%+11.3pp | 80.3%-0.3pp |
| Annual return | 11.29% | 204.08%-192.8pp | 133.74%-122.5pp | 551.85%-540.6pp |
| Employer contribution / active EE | $3,267 | $3,093+5.6% | $2,422+34.9% | $4,662-29.9% |
| Participant deferral / active EE | $7,586 | $4,920+54.2% | $4,417+71.8% | $6,690+13.4% |
| Admin fee / account holder | $3,394 | $10,249-66.9% | $8,287-59.0% | $13,392-74.7% |