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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 | $142,214 | $106,923+33.0% | $84,023+69.3% | $152,909-7.0% |
| Participation rate | 95.7% | 75.3%+20.4pp | 69.0%+26.6pp | 82.5%+13.2pp |
| Annual return | 21.29% | 105.02%-83.7pp | 71.32%-50.0pp | 345.46%-324.2pp |
| Employer contribution / active EE | $2,220 | $2,735-18.8% | $1,984+11.9% | $4,764-53.4% |
| Participant deferral / active EE | $4,394 | $4,013+9.5% | $3,239+35.7% | $5,851-24.9% |
| Admin fee / account holder | $2,370 | $8,289-71.4% | $6,102-61.2% | $11,601-79.6% |