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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 | $115,837 | $157,304-26.4% | $141,197-18.0% | $152,909-24.2% |
| Participation rate | 71.4% | 84.8%-13.4pp | 82.5%-11.0pp | 82.5%-11.0pp |
| Annual return | 25.35% | 64.34%-39.0pp | 71.41%-46.1pp | 345.46%-320.1pp |
| Employer contribution / active EE | $998 | $5,263-81.0% | $4,736-78.9% | $4,764-79.0% |
| Participant deferral / active EE | $6,211 | $7,111-12.6% | $6,710-7.4% | $5,851+6.2% |
| Admin fee / account holder | $804 | $12,126-93.4% | $10,265-92.2% | $11,601-93.1% |