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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 | $156,440 | $166,242-5.9% | $165,071-5.2% | $145,884+7.2% |
| Participation rate | 89.5% | 82.0%+7.5pp | 78.6%+10.9pp | 80.3%+9.2pp |
| Annual return | 11.57% | 100.44%-88.9pp | 70.17%-58.6pp | 551.85%-540.3pp |
| Employer contribution / active EE | $3,588 | $5,283-32.1% | $4,347-17.5% | $4,662-23.0% |
| Participant deferral / active EE | $6,970 | $6,964+0.1% | $6,035+15.5% | $6,690+4.2% |
| Admin fee / account holder | $925 | $16,658-94.4% | $12,695-92.7% | $13,392-93.1% |