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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 | $99,192 | $157,304-36.9% | $141,197-29.7% | $152,909-35.1% |
| Participation rate | 95.5% | 84.8%+10.6pp | 82.5%+13.0pp | 82.5%+13.0pp |
| Annual return | 26.96% | 64.34%-37.4pp | 71.41%-44.4pp | 345.46%-318.5pp |
| Employer contribution / active EE | $7,273 | $5,263+38.2% | $4,736+53.6% | $4,764+52.7% |
| Participant deferral / active EE | $6,962 | $7,111-2.1% | $6,710+3.7% | $5,851+19.0% |
| Admin fee / account holder | $414 | $12,126-96.6% | $10,265-96.0% | $11,601-96.4% |