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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 | $103,403 | $175,231-41.0% | $149,696-30.9% | $139,466-25.9% |
| Participation rate | 93.8% | 83.4%+10.4pp | 78.8%+15.0pp | 80.3%+13.4pp |
| Annual return | 22.30% | 166.77%-144.5pp | 134.46%-112.2pp | 373.66%-351.4pp |
| Employer contribution / active EE | $1,277 | $5,478-76.7% | $4,821-73.5% | $4,754-73.1% |
| Participant deferral / active EE | $1,996 | $6,521-69.4% | $5,682-64.9% | $6,712-70.3% |
| Admin fee / account holder | $2,100 | $16,155-87.0% | $13,212-84.1% | $11,409-81.6% |