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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 | $85,114 | $105,200-19.1% | $159,474-46.6% | $85,847-0.9% |
| Participation rate | 87.9% | 75.8%+12.1pp | 82.8%+5.0pp | 69.3%+18.6pp |
| Annual return | 15.94% | 45.08%-29.1pp | 263.68%-247.7pp | 318.61%-302.7pp |
| Employer contribution / active EE | $4,944 | $3,319+49.0% | $4,831+2.3% | $2,565+92.7% |
| Participant deferral / active EE | $5,253 | $5,946-11.6% | $7,353-28.6% | $3,952+32.9% |
| Admin fee / account holder | $444 | $6,934-93.6% | $10,802-95.9% | $6,261-92.9% |