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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 | $110,233 | $129,737-15.0% | $119,126-7.5% | $154,746-28.8% |
| Participation rate | 79.2% | 78.9%+0.3pp | 75.8%+3.4pp | 80.7%-1.5pp |
| Annual return | 15.03% | 379.08%-364.1pp | 282.11%-267.1pp | 172.34%-157.3pp |
| Employer contribution / active EE | $2,385 | $4,375-45.5% | $4,034-40.9% | $4,379-45.5% |
| Participant deferral / active EE | $4,930 | $5,842-15.6% | $5,318-7.3% | $6,730-26.7% |
| Admin fee / account holder | $5,464 | $11,961-54.3% | $10,693-48.9% | $14,365-62.0% |