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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 | $245,591 | $157,304+56.1% | $141,197+73.9% | $152,909+60.6% |
| Participation rate | 94.7% | 84.8%+9.9pp | 82.5%+12.3pp | 82.5%+12.3pp |
| Annual return | 24.07% | 64.34%-40.3pp | 71.41%-47.3pp | 345.46%-321.4pp |
| Employer contribution / active EE | $8,312 | $5,263+57.9% | $4,736+75.5% | $4,764+74.5% |
| Participant deferral / active EE | $11,693 | $7,111+64.4% | $6,710+74.3% | $5,851+99.8% |
| Admin fee / account holder | $6,054 | $12,126-50.1% | $10,265-41.0% | $11,601-47.8% |