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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 | $107,177 | $152,612-29.8% | $125,192-14.4% | $152,897-29.9% |
| Participation rate | 85.7% | 83.3%+2.4pp | 79.8%+5.9pp | 82.5%+3.3pp |
| Annual return | 20.98% | 54.85%-33.9pp | 43.79%-22.8pp | 345.43%-324.4pp |
| Employer contribution / active EE | $2,239 | $4,947-54.7% | $3,866-42.1% | $4,764-53.0% |
| Participant deferral / active EE | $6,076 | $5,868+3.5% | $4,937+23.1% | $5,851+3.8% |
| Admin fee / account holder | $565 | $13,437-95.8% | $9,704-94.2% | $11,599-95.1% |