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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 | $95,206 | $107,941-11.8% | $91,994+3.5% | $152,909-37.7% |
| Participation rate | 83.3% | 81.2%+2.1pp | 78.6%+4.7pp | 82.5%+0.9pp |
| Annual return | 19.21% | 89.28%-70.1pp | 69.04%-49.8pp | 345.46%-326.3pp |
| Employer contribution / active EE | $2,974 | $4,212-29.4% | $3,453-13.9% | $4,764-37.6% |
| Participant deferral / active EE | $8,450 | $6,366+32.7% | $5,924+42.6% | $5,851+44.4% |
| Admin fee / account holder | $12,372 | $10,521+17.6% | $7,744+59.8% | $11,601+6.7% |