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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 | $115,165 | $99,053+16.3% | $88,179+30.6% | $138,895-17.1% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.1%+5.9pp | 79.9%-4.9pp |
| Annual return | 13.84% | 78.17%-64.3pp | 64.97%-51.1pp | 145.39%-131.6pp |
| Employer contribution / active EE | $2,048 | $2,882-28.9% | $2,549-19.7% | $4,194-51.2% |
| Participant deferral / active EE | $6,333 | $5,225+21.2% | $4,614+37.3% | $6,396-1.0% |
| Admin fee / account holder | $1,516 | $8,748-82.7% | $7,673-80.2% | $12,562-87.9% |