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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 | $84,035 | $89,370-6.0% | $141,197-40.5% | $72,976+15.2% |
| Participation rate | 97.1% | 75.1%+22.0pp | 82.5%+14.7pp | 69.5%+27.7pp |
| Annual return | 22.96% | 111.88%-88.9pp | 71.41%-48.4pp | 81.02%-58.1pp |
| Employer contribution / active EE | $2,891 | $3,115-7.2% | $4,736-39.0% | $2,440+18.5% |
| Participant deferral / active EE | $5,123 | $5,419-5.5% | $6,710-23.6% | $3,608+42.0% |
| Admin fee / account holder | $2,374 | $5,957-60.1% | $10,265-76.9% | $5,124-53.7% |