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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 | $125,649 | $168,635-25.5% | $147,617-14.9% | $125,389+0.2% |
| Participation rate | 93.8% | 88.8%+5.0pp | 84.6%+9.1pp | 83.2%+10.6pp |
| Annual return | 1.64% | 77.65%-76.0pp | 61.98%-60.3pp | 282.24%-280.6pp |
| Employer contribution / active EE | $2,430 | $6,252-61.1% | $5,564-56.3% | $4,866-50.1% |
| Participant deferral / active EE | $6,260 | $5,507+13.7% | $4,895+27.9% | $5,352+17.0% |
| Admin fee / account holder | $9,945 | $13,580-26.8% | $11,612-14.4% | $9,541+4.2% |