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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 | $121,567 | $99,053+22.7% | $88,179+37.9% | $138,895-12.5% |
| Participation rate | 71.4% | 74.2%-2.8pp | 69.1%+2.3pp | 79.9%-8.5pp |
| Annual return | 16.95% | 78.17%-61.2pp | 64.97%-48.0pp | 145.39%-128.4pp |
| Employer contribution / active EE | $6,691 | $2,882+132.2% | $2,549+162.5% | $4,194+59.5% |
| Participant deferral / active EE | $4,916 | $5,225-5.9% | $4,614+6.6% | $6,396-23.1% |
| Admin fee / account holder | $3,555 | $8,748-59.4% | $7,673-53.7% | $12,562-71.7% |