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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 | $127,668 | $183,627-30.5% | $155,602-18.0% | $145,978-12.5% |
| Participation rate | 91.7% | 82.7%+9.0pp | 78.2%+13.5pp | 80.3%+11.4pp |
| Annual return | 18.31% | 61.32%-43.0pp | 64.81%-46.5pp | 550.52%-532.2pp |
| Employer contribution / active EE | $2,840 | $5,316-46.6% | $4,675-39.3% | $4,662-39.1% |
| Participant deferral / active EE | $9,350 | $6,466+44.6% | $5,629+66.1% | $6,690+39.8% |
| Admin fee / account holder | $2,804 | $19,327-85.5% | $15,923-82.4% | $13,400-79.1% |