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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 | $72,928 | $98,240-25.8% | $82,312-11.4% | $147,586-50.6% |
| Participation rate | 90.5% | 79.7%+10.8pp | 76.9%+13.6pp | 82.8%+7.6pp |
| Annual return | 13.66% | 30.85%-17.2pp | 25.88%-12.2pp | 578.59%-564.9pp |
| Employer contribution / active EE | $3,061 | $3,192-4.1% | $2,428+26.1% | $4,876-37.2% |
| Participant deferral / active EE | $5,949 | $4,383+35.7% | $3,706+60.5% | $5,439+9.4% |
| Admin fee / account holder | $445 | $8,563-94.8% | $5,608-92.1% | $10,886-95.9% |