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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 | $109,746 | $111,830-1.9% | $93,696+17.1% | $145,884-24.8% |
| Participation rate | 85.7% | 74.2%+11.5pp | 68.7%+17.0pp | 80.3%+5.4pp |
| Annual return | 8.69% | 204.08%-195.4pp | 133.74%-125.1pp | 551.85%-543.2pp |
| Employer contribution / active EE | $1,658 | $3,093-46.4% | $2,422-31.5% | $4,662-64.4% |
| Participant deferral / active EE | $2,640 | $4,920-46.3% | $4,417-40.2% | $6,690-60.5% |
| Admin fee / account holder | $15,478 | $10,249+51.0% | $8,287+86.8% | $13,392+15.6% |