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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 | $103,356 | $166,242-37.8% | $165,071-37.4% | $145,884-29.2% |
| Participation rate | 88.9% | 82.0%+6.9pp | 78.6%+10.3pp | 80.3%+8.6pp |
| Annual return | 17.47% | 100.44%-83.0pp | 70.17%-52.7pp | 551.85%-534.4pp |
| Employer contribution / active EE | $3,296 | $5,283-37.6% | $4,347-24.2% | $4,662-29.3% |
| Participant deferral / active EE | $8,259 | $6,964+18.6% | $6,035+36.9% | $6,690+23.5% |
| Admin fee / account holder | $3,653 | $16,658-78.1% | $12,695-71.2% | $13,392-72.7% |