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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 | $95,869 | $107,368-10.7% | $92,915+3.2% | $152,909-37.3% |
| Participation rate | 75.0% | 79.8%-4.8pp | 76.0%-1.0pp | 82.5%-7.5pp |
| Annual return | 25.44% | 145.64%-120.2pp | 109.45%-84.0pp | 345.46%-320.0pp |
| Employer contribution / active EE | $2,186 | $4,222-48.2% | $3,653-40.2% | $4,764-54.1% |
| Participant deferral / active EE | $6,977 | $4,848+43.9% | $4,238+64.6% | $5,851+19.2% |
| Admin fee / account holder | $1,634 | $7,082-76.9% | $5,796-71.8% | $11,601-85.9% |