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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 | $123,251 | $132,099-6.7% | $115,599+6.6% | $138,895-11.3% |
| Participation rate | 87.5% | 77.9%+9.6pp | 74.3%+13.2pp | 79.9%+7.6pp |
| Annual return | 17.92% | 176.76%-158.8pp | 111.10%-93.2pp | 145.39%-127.5pp |
| Employer contribution / active EE | $4,598 | $3,416+34.6% | $2,955+55.6% | $4,194+9.6% |
| Participant deferral / active EE | $14,844 | $5,617+164.3% | $4,889+203.6% | $6,396+132.1% |
| Admin fee / account holder | $2,578 | $15,650-83.5% | $12,841-79.9% | $12,562-79.5% |