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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 | $109,033 | $102,422+6.5% | $147,117-25.9% | $80,959+34.7% |
| Participation rate | 96.6% | 75.9%+20.7pp | 82.2%+14.4pp | 67.7%+28.9pp |
| Annual return | 30.85% | 135.16%-104.3pp | 420.54%-389.7pp | 35.67%-4.8pp |
| Employer contribution / active EE | $3,256 | $3,717-12.4% | $4,932-34.0% | $2,757+18.1% |
| Participant deferral / active EE | $7,378 | $6,652+10.9% | $8,065-8.5% | $4,300+71.6% |
| Admin fee / account holder | $367 | $7,953-95.4% | $12,993-97.2% | $6,925-94.7% |