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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 | $102,429+2.2% | $147,096-28.9% | $80,925+29.3% |
| Participation rate | 74.6% | 75.9%-1.2pp | 82.2%-7.5pp | 67.7%+7.0pp |
| Annual return | 21.46% | 135.02%-113.6pp | 419.75%-398.3pp | 35.65%-14.2pp |
| Employer contribution / active EE | $3,467 | $3,716-6.7% | $4,936-29.8% | $2,756+25.8% |
| Participant deferral / active EE | $8,924 | $6,649+34.2% | $8,071+10.6% | $4,299+107.6% |
| Admin fee / account holder | $917 | $7,957-88.5% | $13,005-92.9% | $6,940-86.8% |