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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 | $129,865 | $169,336-23.3% | $129,384+0.4% | $145,884-11.0% |
| Participation rate | 91.3% | 76.5%+14.8pp | 69.6%+21.7pp | 80.3%+11.0pp |
| Annual return | 13.08% | 14408.70%-14395.6pp | 9461.77%-9448.7pp | 551.85%-538.8pp |
| Employer contribution / active EE | $3,841 | $5,540-30.7% | $4,153-7.5% | $4,662-17.6% |
| Participant deferral / active EE | $9,183 | $4,985+84.2% | $4,166+120.5% | $6,690+37.3% |
| Admin fee / account holder | $7,222 | $9,912-27.1% | $7,686-6.0% | $13,392-46.1% |