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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 | $117,174 | $125,778-6.8% | $114,563+2.3% | $154,746-24.3% |
| Participation rate | 90.0% | 75.2%+14.8pp | 72.9%+17.1pp | 80.7%+9.3pp |
| Annual return | 19.93% | 295.14%-275.2pp | 241.09%-221.2pp | 172.34%-152.4pp |
| Employer contribution / active EE | $2,490 | $2,806-11.3% | $2,592-3.9% | $4,379-43.1% |
| Participant deferral / active EE | $7,794 | $4,445+75.4% | $4,142+88.2% | $6,730+15.8% |
| Admin fee / account holder | $720 | $8,190-91.2% | $7,623-90.5% | $14,365-95.0% |