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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 | $125,298 | $138,072-9.3% | $123,549+1.4% | $135,382-7.4% |
| Participation rate | 90.9% | 84.7%+6.2pp | 82.3%+8.6pp | 82.6%+8.3pp |
| Annual return | 6.53% | 153.69%-147.2pp | 119.20%-112.7pp | 519.77%-513.2pp |
| Employer contribution / active EE | $2,571 | $5,152-50.1% | $4,628-44.5% | $4,779-46.2% |
| Participant deferral / active EE | $8,398 | $6,799+23.5% | $6,426+30.7% | $5,609+49.7% |
| Admin fee / account holder | $414 | $10,917-96.2% | $9,284-95.5% | $10,829-96.2% |