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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 | $130,248 | $108,911+19.6% | $100,392+29.7% | $145,884-10.7% |
| Participation rate | 80.0% | 83.0%-3.0pp | 81.5%-1.5pp | 80.3%-0.3pp |
| Annual return | 12.81% | 58.23%-45.4pp | 49.45%-36.6pp | 551.85%-539.0pp |
| Employer contribution / active EE | $4,380 | $4,420-0.9% | $3,941+11.1% | $4,662-6.1% |
| Participant deferral / active EE | $5,306 | $8,459-37.3% | $8,090-34.4% | $6,690-20.7% |
| Admin fee / account holder | $630 | $9,698-93.5% | $7,904-92.0% | $13,392-95.3% |