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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 | $112,984 | $110,039+2.7% | $97,260+16.2% | $145,884-22.6% |
| Participation rate | 91.7% | 75.9%+15.7pp | 72.7%+19.0pp | 80.3%+11.4pp |
| Annual return | 9.13% | 244.44%-235.3pp | 75.54%-66.4pp | 551.85%-542.7pp |
| Employer contribution / active EE | $2,598 | $3,074-15.5% | $2,721-4.5% | $4,662-44.3% |
| Participant deferral / active EE | $5,051 | $4,674+8.1% | $4,262+18.5% | $6,690-24.5% |
| Admin fee / account holder | $10,425 | $6,204+68.1% | $5,640+84.9% | $13,392-22.2% |