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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 | $106,313 | $100,139+6.2% | $85,187+24.8% | $145,884-27.1% |
| Participation rate | 86.7% | 74.1%+12.6pp | 67.5%+19.1pp | 80.3%+6.4pp |
| Annual return | 14.30% | 84.15%-69.8pp | 66.67%-52.4pp | 551.85%-537.5pp |
| Employer contribution / active EE | $1,377 | $3,238-57.5% | $2,732-49.6% | $4,662-70.5% |
| Participant deferral / active EE | $5,768 | $5,296+8.9% | $4,525+27.5% | $6,690-13.8% |
| Admin fee / account holder | $4,428 | $7,262-39.0% | $6,162-28.1% | $13,392-66.9% |