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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 | $131,607 | $132,634-0.8% | $115,768+13.7% | $137,256-4.1% |
| Participation rate | 90.9% | 77.9%+13.0pp | 74.4%+16.5pp | 80.0%+10.9pp |
| Annual return | 18.30% | 160.70%-142.4pp | 100.46%-82.2pp | 220.34%-202.0pp |
| Employer contribution / active EE | $2,018 | $3,360-39.9% | $2,940-31.4% | $4,156-51.4% |
| Participant deferral / active EE | $7,017 | $5,619+24.9% | $4,917+42.7% | $6,407+9.5% |
| Admin fee / account holder | $1,730 | $15,028-88.5% | $12,439-86.1% | $12,270-85.9% |