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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 | $74,231 | $65,367+13.6% | $92,915-20.1% | $72,976+1.7% |
| Participation rate | 93.3% | 68.3%+25.0pp | 76.0%+17.3pp | 69.5%+23.8pp |
| Annual return | 22.59% | 42.11%-19.5pp | 109.45%-86.9pp | 81.02%-58.4pp |
| Employer contribution / active EE | $7,940 | $2,594+206.1% | $3,653+117.3% | $2,440+225.4% |
| Participant deferral / active EE | $2,004 | $3,128-36.0% | $4,238-52.7% | $3,608-44.5% |
| Admin fee / account holder | $10,947 | $4,251+157.5% | $5,796+88.9% | $5,124+113.6% |