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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 | $141,946 | $152,619-7.0% | $125,195+13.4% | $152,909-7.2% |
| Participation rate | 95.0% | 83.3%+11.7pp | 79.8%+15.2pp | 82.5%+12.5pp |
| Annual return | 19.27% | 54.85%-35.6pp | 43.79%-24.5pp | 345.46%-326.2pp |
| Employer contribution / active EE | $7,859 | $4,947+58.8% | $3,866+103.3% | $4,764+65.0% |
| Participant deferral / active EE | $6,274 | $5,869+6.9% | $4,937+27.1% | $5,851+7.2% |
| Admin fee / account holder | $11,283 | $13,437-16.0% | $9,704+16.3% | $11,601-2.7% |