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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 | $136,960 | $157,304-12.9% | $141,197-3.0% | $152,909-10.4% |
| Participation rate | 93.8% | 84.8%+8.9pp | 82.5%+11.3pp | 82.5%+11.3pp |
| Annual return | 22.37% | 64.34%-42.0pp | 71.41%-49.0pp | 345.46%-323.1pp |
| Employer contribution / active EE | $3,118 | $5,263-40.8% | $4,736-34.2% | $4,764-34.5% |
| Participant deferral / active EE | $7,731 | $7,111+8.7% | $6,710+15.2% | $5,851+32.1% |
| Admin fee / account holder | $851 | $12,126-93.0% | $10,265-91.7% | $11,601-92.7% |