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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 | $99,287 | $118,708-16.4% | $98,920+0.4% | $158,966-37.5% |
| Participation rate | 82.6% | 77.8%+4.8pp | 76.0%+6.6pp | 82.0%+0.6pp |
| Annual return | 14.50% | 372.49%-358.0pp | 196.47%-182.0pp | 302.95%-288.5pp |
| Employer contribution / active EE | $3,160 | $3,334-5.2% | $2,689+17.5% | $4,762-33.6% |
| Participant deferral / active EE | $9,730 | $5,089+91.2% | $4,245+129.2% | $5,983+62.6% |
| Admin fee / account holder | $1,971 | $10,134-80.5% | $6,643-70.3% | $11,250-82.5% |