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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 | $130,872 | $111,830+17.0% | $93,696+39.7% | $145,884-10.3% |
| Participation rate | 70.0% | 74.2%-4.2pp | 68.7%+1.3pp | 80.3%-10.3pp |
| Annual return | 9.83% | 204.08%-194.3pp | 133.74%-123.9pp | 551.85%-542.0pp |
| Employer contribution / active EE | $1,315 | $3,093-57.5% | $2,422-45.7% | $4,662-71.8% |
| Participant deferral / active EE | $4,619 | $4,920-6.1% | $4,417+4.6% | $6,690-31.0% |
| Admin fee / account holder | $7,809 | $10,249-23.8% | $8,287-5.8% | $13,392-41.7% |