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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 | $137,076 | $148,623-7.8% | $135,974+0.8% | $139,466-1.7% |
| Participation rate | 92.3% | 83.9%+8.4pp | 81.9%+10.4pp | 80.3%+12.0pp |
| Annual return | 17.40% | 79.30%-61.9pp | 68.30%-50.9pp | 373.66%-356.3pp |
| Employer contribution / active EE | $2,627 | $5,246-49.9% | $4,859-45.9% | $4,754-44.7% |
| Participant deferral / active EE | $8,108 | $8,103+0.1% | $7,760+4.5% | $6,712+20.8% |
| Admin fee / account holder | $686 | $12,406-94.5% | $10,767-93.6% | $11,409-94.0% |