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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 | $136,264 | $148,629-8.3% | $135,982+0.2% | $139,487-2.3% |
| Participation rate | 87.5% | 83.9%+3.6pp | 81.9%+5.6pp | 80.3%+7.2pp |
| Annual return | 13.03% | 79.33%-66.3pp | 68.32%-55.3pp | 373.84%-360.8pp |
| Employer contribution / active EE | $3,407 | $5,247-35.1% | $4,859-29.9% | $4,755-28.4% |
| Participant deferral / active EE | $9,272 | $8,102+14.4% | $7,760+19.5% | $6,713+38.1% |
| Admin fee / account holder | $2,298 | $12,406-81.5% | $10,767-78.7% | $11,407-79.9% |