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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 | $86,620 | $89,370-3.1% | $141,197-38.7% | $72,976+18.7% |
| Participation rate | 97.2% | 75.1%+22.1pp | 82.5%+14.7pp | 69.5%+27.7pp |
| Annual return | 21.28% | 111.88%-90.6pp | 71.41%-50.1pp | 81.02%-59.7pp |
| Employer contribution / active EE | $7,245 | $3,115+132.6% | $4,736+53.0% | $2,440+196.9% |
| Participant deferral / active EE | $6,173 | $5,419+13.9% | $6,710-8.0% | $3,608+71.1% |
| Admin fee / account holder | $3,306 | $5,957-44.5% | $10,265-67.8% | $5,124-35.5% |