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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 | $128,886 | $166,242-22.5% | $165,071-21.9% | $145,884-11.7% |
| Participation rate | 90.9% | 82.0%+8.9pp | 78.6%+12.3pp | 80.3%+10.6pp |
| Annual return | 18.74% | 100.44%-81.7pp | 70.17%-51.4pp | 551.85%-533.1pp |
| Employer contribution / active EE | $1,385 | $5,283-73.8% | $4,347-68.1% | $4,662-70.3% |
| Participant deferral / active EE | $6,622 | $6,964-4.9% | $6,035+9.7% | $6,690-1.0% |
| Admin fee / account holder | $400 | $16,658-97.6% | $12,695-96.8% | $13,392-97.0% |