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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 | $85,227 | $98,766-13.7% | $149,730-43.1% | $79,852+6.7% |
| Participation rate | 96.9% | 75.8%+21.1pp | 82.5%+14.4pp | 69.6%+27.2pp |
| Annual return | 16.00% | 27.43%-11.4pp | 276.70%-260.7pp | 31.72%-15.7pp |
| Employer contribution / active EE | $4,602 | $3,217+43.0% | $4,645-0.9% | $2,471+86.2% |
| Participant deferral / active EE | $9,762 | $5,681+71.8% | $6,843+42.7% | $3,740+161.0% |
| Admin fee / account holder | $1,710 | $6,052-71.7% | $9,310-81.6% | $5,306-67.8% |