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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 | $90,724 | $89,367+1.5% | $141,191-35.7% | $72,975+24.3% |
| Participation rate | 88.5% | 75.1%+13.3pp | 82.5%+6.0pp | 69.5%+19.0pp |
| Annual return | 22.65% | 111.87%-89.2pp | 71.41%-48.8pp | 81.01%-58.4pp |
| Employer contribution / active EE | $5,417 | $3,115+73.9% | $4,736+14.4% | $2,440+122.0% |
| Participant deferral / active EE | $11,060 | $5,419+104.1% | $6,710+64.8% | $3,608+206.6% |
| Admin fee / account holder | $8,702 | $5,957+46.1% | $10,264-15.2% | $5,124+69.8% |