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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 | $115,753 | $123,982-6.6% | $69,701+66.1% | $145,959-20.7% |
| Participation rate | 83.3% | 69.2%+14.1pp | 66.4%+16.9pp | 80.3%+3.0pp |
| Annual return | 6.27% | 191.01%-184.7pp | 100.32%-94.0pp | 561.95%-555.7pp |
| Employer contribution / active EE | $2,879 | $2,681+7.4% | $1,713+68.1% | $4,661-38.2% |
| Participant deferral / active EE | $4,142 | $4,236-2.2% | $2,887+43.5% | $6,689-38.1% |
| Admin fee / account holder | $949 | $7,867-87.9% | $4,717-79.9% | $13,398-92.9% |