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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 | $103,276 | $112,131-7.9% | $95,964+7.6% | $158,982-35.0% |
| Participation rate | 91.7% | 79.0%+12.7pp | 77.1%+14.6pp | 82.0%+9.7pp |
| Annual return | 12.71% | 171.19%-158.5pp | 91.64%-78.9pp | 302.99%-290.3pp |
| Employer contribution / active EE | $2,623 | $3,199-18.0% | $2,541+3.2% | $4,763-44.9% |
| Participant deferral / active EE | $8,200 | $4,784+71.4% | $4,167+96.8% | $5,983+37.0% |
| Admin fee / account holder | $7,118 | $10,136-29.8% | $6,797+4.7% | $11,252-36.7% |