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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 | $113,185 | $148,623-23.8% | $135,974-16.8% | $139,466-18.8% |
| Participation rate | 71.4% | 83.9%-12.4pp | 81.9%-10.5pp | 80.3%-8.9pp |
| Annual return | 15.83% | 79.30%-63.5pp | 68.30%-52.5pp | 373.66%-357.8pp |
| Employer contribution / active EE | $6,337 | $5,246+20.8% | $4,859+30.4% | $4,754+33.3% |
| Participant deferral / active EE | $2,902 | $8,103-64.2% | $7,760-62.6% | $6,712-56.8% |
| Admin fee / account holder | $664 | $12,406-94.6% | $10,767-93.8% | $11,409-94.2% |