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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 | $123,428 | $77,901+58.4% | $149,717-17.6% | $75,181+64.2% |
| Participation rate | 96.3% | 65.6%+30.7pp | 78.8%+17.5pp | 67.2%+29.1pp |
| Annual return | 20.98% | 31.73%-10.7pp | 134.41%-113.4pp | 160.69%-139.7pp |
| Employer contribution / active EE | $8,979 | $3,137+186.2% | $4,820+86.3% | $2,671+236.2% |
| Participant deferral / active EE | $7,160 | $3,411+109.9% | $5,682+26.0% | $4,126+73.5% |
| Admin fee / account holder | $3,981 | $5,949-33.1% | $13,213-69.9% | $5,650-29.5% |