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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 | $77,834 | $102,638-24.2% | $81,982-5.1% | $158,982-51.0% |
| Participation rate | 92.9% | 75.5%+17.3pp | 69.3%+23.6pp | 82.0%+10.9pp |
| Annual return | 11.34% | 61.05%-49.7pp | 41.31%-30.0pp | 302.99%-291.6pp |
| Employer contribution / active EE | $2,083 | $3,241-35.7% | $2,498-16.6% | $4,763-56.3% |
| Participant deferral / active EE | $9,398 | $4,649+102.1% | $3,722+152.5% | $5,983+57.1% |
| Admin fee / account holder | $23,864 | $8,237+189.7% | $5,665+321.3% | $11,252+112.1% |