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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 | $98,774 | $125,184-21.1% | $105,607-6.5% | $145,884-32.3% |
| Participation rate | 94.1% | 77.6%+16.5pp | 75.3%+18.8pp | 80.3%+13.8pp |
| Annual return | 12.34% | 225.00%-212.7pp | 116.11%-103.8pp | 551.85%-539.5pp |
| Employer contribution / active EE | $4,347 | $3,720+16.9% | $3,167+37.3% | $4,662-6.8% |
| Participant deferral / active EE | $6,867 | $5,714+20.2% | $5,011+37.0% | $6,690+2.6% |
| Admin fee / account holder | $5,125 | $17,133-70.1% | $10,958-53.2% | $13,392-61.7% |