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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 | $109,912 | $176,105-37.6% | $159,474-31.1% | $167,536-34.4% |
| Participation rate | 87.5% | 85.0%+2.5pp | 82.8%+4.7pp | 82.1%+5.4pp |
| Annual return | 20.85% | 331.91%-311.1pp | 263.68%-242.8pp | 478.82%-458.0pp |
| Employer contribution / active EE | $4,271 | $5,299-19.4% | $4,831-11.6% | $4,839-11.7% |
| Participant deferral / active EE | $9,002 | $7,751+16.1% | $7,353+22.4% | $6,342+41.9% |
| Admin fee / account holder | $414 | $12,559-96.7% | $10,802-96.2% | $12,315-96.6% |