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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 | $122,907 | $166,089-26.0% | $164,928-25.5% | $145,978-15.8% |
| Participation rate | 87.5% | 82.0%+5.5pp | 78.6%+8.9pp | 80.3%+7.2pp |
| Annual return | 17.94% | 100.26%-82.3pp | 70.08%-52.1pp | 550.52%-532.6pp |
| Employer contribution / active EE | $2,694 | $5,276-48.9% | $4,343-38.0% | $4,662-42.2% |
| Participant deferral / active EE | $6,267 | $6,961-10.0% | $6,034+3.9% | $6,690-6.3% |
| Admin fee / account holder | $814 | $16,641-95.1% | $12,684-93.6% | $13,400-93.9% |