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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 | $107,696 | $157,304-31.5% | $141,197-23.7% | $152,909-29.6% |
| Participation rate | 91.7% | 84.8%+6.8pp | 82.5%+9.2pp | 82.5%+9.2pp |
| Annual return | 18.38% | 64.34%-46.0pp | 71.41%-53.0pp | 345.46%-327.1pp |
| Employer contribution / active EE | $2,231 | $5,263-57.6% | $4,736-52.9% | $4,764-53.2% |
| Participant deferral / active EE | $6,666 | $7,111-6.3% | $6,710-0.7% | $5,851+13.9% |
| Admin fee / account holder | $980 | $12,126-91.9% | $10,265-90.5% | $11,601-91.6% |