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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 | $86,463 | $111,830-22.7% | $93,696-7.7% | $145,884-40.7% |
| Participation rate | 91.7% | 74.2%+17.4pp | 68.7%+22.9pp | 80.3%+11.4pp |
| Annual return | 13.75% | 204.08%-190.3pp | 133.74%-120.0pp | 551.85%-538.1pp |
| Employer contribution / active EE | $5,415 | $3,093+75.1% | $2,422+123.6% | $4,662+16.1% |
| Participant deferral / active EE | $12,692 | $4,920+158.0% | $4,417+187.4% | $6,690+89.7% |
| Admin fee / account holder | $6,289 | $10,249-38.6% | $8,287-24.1% | $13,392-53.0% |