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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 | $140,313 | $118,708+18.2% | $98,920+41.8% | $158,966-11.7% |
| Participation rate | 86.7% | 77.8%+8.8pp | 76.0%+10.6pp | 82.0%+4.7pp |
| Annual return | 12.96% | 372.49%-359.5pp | 196.47%-183.5pp | 302.95%-290.0pp |
| Employer contribution / active EE | $2,365 | $3,334-29.1% | $2,689-12.1% | $4,762-50.3% |
| Participant deferral / active EE | $8,706 | $5,089+71.1% | $4,245+105.1% | $5,983+45.5% |
| Admin fee / account holder | $927 | $10,134-90.8% | $6,643-86.0% | $11,250-91.8% |