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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 | $94,291 | $111,878-15.7% | $93,727+0.6% | $145,897-35.4% |
| Participation rate | 83.3% | 74.2%+9.1pp | 68.7%+14.6pp | 80.3%+3.0pp |
| Annual return | 14.39% | 204.28%-189.9pp | 133.83%-119.4pp | 552.29%-537.9pp |
| Employer contribution / active EE | $3,712 | $3,092+20.0% | $2,421+53.3% | $4,663-20.4% |
| Participant deferral / active EE | $6,142 | $4,920+24.8% | $4,417+39.0% | $6,689-8.2% |
| Admin fee / account holder | $1,705 | $10,256-83.4% | $8,292-79.4% | $13,390-87.3% |