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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 | $128,258 | $111,535+15.0% | $105,223+21.9% | $137,256-6.6% |
| Participation rate | 83.3% | 78.1%+5.2pp | 75.0%+8.3pp | 80.0%+3.4pp |
| Annual return | 17.05% | 237.85%-220.8pp | 180.65%-163.6pp | 220.34%-203.3pp |
| Employer contribution / active EE | $2,525 | $3,939-35.9% | $3,689-31.5% | $4,156-39.2% |
| Participant deferral / active EE | $7,227 | $5,500+31.4% | $5,072+42.5% | $6,407+12.8% |
| Admin fee / account holder | $1,129 | $9,721-88.4% | $8,859-87.3% | $12,270-90.8% |