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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 | $85,310 | $84,708+0.7% | $75,714+12.7% | $167,536-49.1% |
| Participation rate | 78.6% | 77.8%+0.7pp | 74.8%+3.7pp | 82.1%-3.5pp |
| Annual return | 14.72% | 199.62%-184.9pp | 104.62%-89.9pp | 478.82%-464.1pp |
| Employer contribution / active EE | $2,891 | $3,231-10.5% | $2,744+5.4% | $4,839-40.3% |
| Participant deferral / active EE | $4,969 | $4,577+8.6% | $3,820+30.1% | $6,342-21.6% |
| Admin fee / account holder | $600 | $5,358-88.8% | $3,619-83.4% | $12,315-95.1% |