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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 | $142,131 | $165,399-14.1% | $149,745-5.1% | $158,982-10.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 8.79% | 348.34%-339.5pp | 276.72%-267.9pp | 302.99%-294.2pp |
| Employer contribution / active EE | $6,921 | $5,105+35.6% | $4,646+49.0% | $4,763+45.3% |
| Participant deferral / active EE | $7,109 | $7,183-1.0% | $6,843+3.9% | $5,983+18.8% |
| Admin fee / account holder | $6,917 | $10,811-36.0% | $9,312-25.7% | $11,252-38.5% |