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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 | $104,652 | $102,422+2.2% | $147,117-28.9% | $80,959+29.3% |
| Participation rate | 74.6% | 75.9%-1.2pp | 82.2%-7.5pp | 67.7%+7.0pp |
| Annual return | 21.46% | 135.16%-113.7pp | 420.54%-399.1pp | 35.67%-14.2pp |
| Employer contribution / active EE | $3,467 | $3,717-6.7% | $4,932-29.7% | $2,757+25.7% |
| Participant deferral / active EE | $8,924 | $6,652+34.1% | $8,065+10.7% | $4,300+107.5% |
| Admin fee / account holder | $917 | $7,953-88.5% | $12,993-92.9% | $6,925-86.8% |