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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 | $39,293 | $144,130-72.7% | $117,861-66.7% | $147,586-73.4% |
| Participation rate | 88.9% | 83.4%+5.5pp | 79.7%+9.2pp | 82.8%+6.1pp |
| Annual return | 15.99% | 531.20%-515.2pp | 335.11%-319.1pp | 578.59%-562.6pp |
| Employer contribution / active EE | $3,854 | $4,897-21.3% | $3,786+1.8% | $4,876-21.0% |
| Participant deferral / active EE | $8,072 | $5,316+51.8% | $4,482+80.1% | $5,439+48.4% |
| Admin fee / account holder | $732 | $10,887-93.3% | $8,021-90.9% | $10,886-93.3% |