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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 | $72,466 | $81,696-11.3% | $70,494+2.8% | $158,982-54.4% |
| Participation rate | 76.9% | 77.7%-0.8pp | 75.1%+1.9pp | 82.0%-5.0pp |
| Annual return | 15.34% | 208.70%-193.4pp | 109.16%-93.8pp | 302.99%-287.6pp |
| Employer contribution / active EE | $2,325 | $3,220-27.8% | $2,738-15.1% | $4,763-51.2% |
| Participant deferral / active EE | $3,920 | $4,558-14.0% | $3,711+5.6% | $5,983-34.5% |
| Admin fee / account holder | $1,785 | $6,200-71.2% | $3,848-53.6% | $11,252-84.1% |