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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 | $111,367 | $150,435-26.0% | $120,580-7.6% | $145,897-23.7% |
| Participation rate | 95.7% | 78.8%+16.8pp | 72.0%+23.7pp | 80.3%+15.3pp |
| Annual return | 10.98% | 154.60%-143.6pp | 107.48%-96.5pp | 552.29%-541.3pp |
| Employer contribution / active EE | $3,020 | $4,352-30.6% | $3,469-13.0% | $4,663-35.2% |
| Participant deferral / active EE | $7,706 | $6,174+24.8% | $4,995+54.3% | $6,689+15.2% |
| Admin fee / account holder | $10,119 | $12,182-16.9% | $9,418+7.4% | $13,390-24.4% |