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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 | $131,371 | $150,412-12.7% | $120,574+9.0% | $145,884-9.9% |
| Participation rate | 85.0% | 78.8%+6.2pp | 71.9%+13.1pp | 80.3%+4.7pp |
| Annual return | 12.20% | 154.50%-142.3pp | 107.42%-95.2pp | 551.85%-539.7pp |
| Employer contribution / active EE | $3,777 | $4,355-13.3% | $3,471+8.8% | $4,662-19.0% |
| Participant deferral / active EE | $9,402 | $6,175+52.3% | $4,996+88.2% | $6,690+40.5% |
| Admin fee / account holder | $2,693 | $12,224-78.0% | $9,445-71.5% | $13,392-79.9% |