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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 | $72,187 | $102,422-29.5% | $147,117-50.9% | $80,959-10.8% |
| Participation rate | 84.6% | 75.9%+8.7pp | 82.2%+2.4pp | 67.7%+16.9pp |
| Annual return | 18.19% | 135.16%-117.0pp | 420.54%-402.4pp | 35.67%-17.5pp |
| Employer contribution / active EE | $3,084 | $3,717-17.0% | $4,932-37.5% | $2,757+11.8% |
| Participant deferral / active EE | $8,459 | $6,652+27.2% | $8,065+4.9% | $4,300+96.7% |
| Admin fee / account holder | $899 | $7,953-88.7% | $12,993-93.1% | $6,925-87.0% |