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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 | $95,806 | $115,810-17.3% | $101,271-5.4% | $158,966-39.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 14.86% | 56.15%-41.3pp | 46.48%-31.6pp | 302.95%-288.1pp |
| Employer contribution / active EE | $4,740 | $4,175+13.5% | $3,660+29.5% | $4,762-0.5% |
| Participant deferral / active EE | $6,357 | $4,958+28.2% | $4,371+45.4% | $5,983+6.2% |
| Admin fee / account holder | $438 | $7,248-94.0% | $5,948-92.6% | $11,250-96.1% |