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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 | $133,238 | $165,351-19.4% | $149,710-11.0% | $158,931-16.2% |
| Participation rate | 94.1% | 84.6%+9.5pp | 82.5%+11.6pp | 82.0%+12.2pp |
| Annual return | 14.04% | 348.19%-334.1pp | 276.63%-262.6pp | 302.86%-288.8pp |
| Employer contribution / active EE | $2,778 | $5,103-45.6% | $4,645-40.2% | $4,761-41.7% |
| Participant deferral / active EE | $7,152 | $7,181-0.4% | $6,842+4.5% | $5,982+19.5% |
| Admin fee / account holder | $932 | $10,807-91.4% | $9,309-90.0% | $11,247-91.7% |