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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 | $129,733 | $157,304-17.5% | $141,197-8.1% | $152,909-15.2% |
| Participation rate | 90.5% | 84.8%+5.7pp | 82.5%+8.0pp | 82.5%+8.0pp |
| Annual return | 22.31% | 64.34%-42.0pp | 71.41%-49.1pp | 345.46%-323.2pp |
| Employer contribution / active EE | $6,359 | $5,263+20.8% | $4,736+34.3% | $4,764+33.5% |
| Participant deferral / active EE | $12,123 | $7,111+70.5% | $6,710+80.7% | $5,851+107.2% |
| Admin fee / account holder | $1,900 | $12,126-84.3% | $10,265-81.5% | $11,601-83.6% |