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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 | $130,711 | $183,539-28.8% | $155,556-16.0% | $145,897-10.4% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 17.71% | 61.31%-43.6pp | 64.84%-47.1pp | 552.29%-534.6pp |
| Employer contribution / active EE | $2,892 | $5,315-45.6% | $4,675-38.1% | $4,663-38.0% |
| Participant deferral / active EE | $6,933 | $6,467+7.2% | $5,631+23.1% | $6,689+3.6% |
| Admin fee / account holder | $1,799 | $19,275-90.7% | $15,885-88.7% | $13,390-86.6% |