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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 | $147,425 | $111,878+31.8% | $93,727+57.3% | $145,897+1.0% |
| Participation rate | 84.2% | 74.2%+10.0pp | 68.7%+15.5pp | 80.3%+3.9pp |
| Annual return | 12.49% | 204.28%-191.8pp | 133.83%-121.3pp | 552.29%-539.8pp |
| Employer contribution / active EE | $3,340 | $3,092+8.0% | $2,421+37.9% | $4,663-28.4% |
| Participant deferral / active EE | $7,653 | $4,920+55.5% | $4,417+73.3% | $6,689+14.4% |
| Admin fee / account holder | $1,635 | $10,256-84.1% | $8,292-80.3% | $13,390-87.8% |