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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 | $140,084 | $117,846+18.9% | $102,434+36.8% | $145,884-4.0% |
| Participation rate | 75.0% | 78.6%-3.6pp | 76.5%-1.5pp | 80.3%-5.3pp |
| Annual return | 21.59% | 31.90%-10.3pp | 29.46%-7.9pp | 551.85%-530.3pp |
| Employer contribution / active EE | $9,854 | $3,615+172.6% | $3,023+225.9% | $4,662+111.3% |
| Participant deferral / active EE | $7,135 | $5,733+24.4% | $5,055+41.1% | $6,690+6.7% |
| Admin fee / account holder | $8,144 | $13,356-39.0% | $9,462-13.9% | $13,392-39.2% |