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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 | $126,199 | $132,634-4.9% | $115,768+9.0% | $137,256-8.1% |
| Participation rate | 87.5% | 77.9%+9.6pp | 74.4%+13.1pp | 80.0%+7.5pp |
| Annual return | 21.18% | 160.70%-139.5pp | 100.46%-79.3pp | 220.34%-199.2pp |
| Employer contribution / active EE | $1,569 | $3,360-53.3% | $2,940-46.6% | $4,156-62.3% |
| Participant deferral / active EE | $7,078 | $5,619+26.0% | $4,917+44.0% | $6,407+10.5% |
| Admin fee / account holder | $714 | $15,028-95.2% | $12,439-94.3% | $12,270-94.2% |