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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 | $121,470 | $150,412-19.2% | $120,574+0.7% | $145,884-16.7% |
| Participation rate | 90.9% | 78.8%+12.1pp | 71.9%+19.0pp | 80.3%+10.6pp |
| Annual return | 16.61% | 154.50%-137.9pp | 107.42%-90.8pp | 551.85%-535.2pp |
| Employer contribution / active EE | $3,072 | $4,355-29.5% | $3,471-11.5% | $4,662-34.1% |
| Participant deferral / active EE | $12,991 | $6,175+110.4% | $4,996+160.0% | $6,690+94.2% |
| Admin fee / account holder | $1,102 | $12,224-91.0% | $9,445-88.3% | $13,392-91.8% |