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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 | $117,096 | $129,737-9.7% | $119,126-1.7% | $154,746-24.3% |
| Participation rate | 86.7% | 78.9%+7.8pp | 75.8%+10.9pp | 80.7%+6.0pp |
| Annual return | 19.43% | 379.08%-359.7pp | 282.11%-262.7pp | 172.34%-152.9pp |
| Employer contribution / active EE | $7,511 | $4,375+71.7% | $4,034+86.2% | $4,379+71.5% |
| Participant deferral / active EE | $6,774 | $5,842+15.9% | $5,318+27.4% | $6,730+0.6% |
| Admin fee / account holder | $721 | $11,961-94.0% | $10,693-93.3% | $14,365-95.0% |