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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 | $150,207-25.9% | $120,380-7.5% | $145,978-23.7% |
| Participation rate | 95.7% | 78.8%+16.9pp | 71.9%+23.7pp | 80.3%+15.4pp |
| Annual return | 10.98% | 154.28%-143.3pp | 107.28%-96.3pp | 550.52%-539.5pp |
| Employer contribution / active EE | $3,020 | $4,351-30.6% | $3,465-12.9% | $4,662-35.2% |
| Participant deferral / active EE | $7,706 | $6,175+24.8% | $4,992+54.4% | $6,690+15.2% |
| Admin fee / account holder | $10,119 | $12,203-17.1% | $9,421+7.4% | $13,400-24.5% |