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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 | $108,240 | $95,664+13.1% | $76,902+40.8% | $139,487-22.4% |
| Participation rate | 71.4% | 74.0%-2.6pp | 69.6%+1.8pp | 80.3%-8.9pp |
| Annual return | 13.84% | 55.03%-41.2pp | 37.91%-24.1pp | 373.84%-360.0pp |
| Employer contribution / active EE | $1,677 | $3,147-46.7% | $2,534-33.8% | $4,755-64.7% |
| Participant deferral / active EE | $3,476 | $4,626-24.9% | $3,833-9.3% | $6,713-48.2% |
| Admin fee / account holder | $538 | $8,311-93.5% | $5,479-90.2% | $11,407-95.3% |