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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 | $102,435 | $118,869-13.8% | $96,575+6.1% | $167,518-38.9% |
| Participation rate | 73.3% | 75.5%-2.2pp | 69.8%+3.5pp | 82.1%-8.8pp |
| Annual return | 18.01% | 50.49%-32.5pp | 37.79%-19.8pp | 478.71%-460.7pp |
| Employer contribution / active EE | $2,826 | $3,120-9.4% | $2,357+19.9% | $4,838-41.6% |
| Participant deferral / active EE | $7,918 | $4,616+71.5% | $3,849+105.7% | $6,342+24.9% |
| Admin fee / account holder | $4,675 | $8,067-42.0% | $6,182-24.4% | $12,312-62.0% |