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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 | $130,552 | $183,539-28.9% | $155,556-16.1% | $145,897-10.5% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 20.28% | 61.31%-41.0pp | 64.84%-44.6pp | 552.29%-532.0pp |
| Employer contribution / active EE | $4,181 | $5,315-21.3% | $4,675-10.6% | $4,663-10.3% |
| Participant deferral / active EE | $10,500 | $6,467+62.4% | $5,631+86.5% | $6,689+57.0% |
| Admin fee / account holder | $631 | $19,275-96.7% | $15,885-96.0% | $13,390-95.3% |