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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 | $209,473 | $114,013+83.7% | $103,693+102.0% | $155,188+35.0% |
| Participation rate | 70.0% | 75.2%-5.2pp | 72.6%-2.6pp | 80.8%-10.8pp |
| Annual return | 8.95% | 49.31%-40.4pp | 47.61%-38.7pp | 148.84%-139.9pp |
| Employer contribution / active EE | $4,907 | $3,131+56.7% | $2,920+68.0% | $4,248+15.5% |
| Participant deferral / active EE | $5,172 | $4,970+4.1% | $4,579+12.9% | $6,531-20.8% |
| Admin fee / account holder | $3,626 | $8,407-56.9% | $7,858-53.9% | $14,480-75.0% |