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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 | $128,241 | $176,105-27.2% | $159,474-19.6% | $167,536-23.5% |
| Participation rate | 85.7% | 85.0%+0.8pp | 82.8%+2.9pp | 82.1%+3.6pp |
| Annual return | 15.27% | 331.91%-316.6pp | 263.68%-248.4pp | 478.82%-463.5pp |
| Employer contribution / active EE | $2,204 | $5,299-58.4% | $4,831-54.4% | $4,839-54.4% |
| Participant deferral / active EE | $9,059 | $7,751+16.9% | $7,353+23.2% | $6,342+42.8% |
| Admin fee / account holder | $635 | $12,559-94.9% | $10,802-94.1% | $12,315-94.8% |