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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 | $64,134 | $89,367-28.2% | $141,191-54.6% | $72,975-12.1% |
| Participation rate | 90.9% | 75.1%+15.8pp | 82.5%+8.4pp | 69.5%+21.4pp |
| Annual return | 21.58% | 111.87%-90.3pp | 71.41%-49.8pp | 81.01%-59.4pp |
| Employer contribution / active EE | $7,407 | $3,115+137.8% | $4,736+56.4% | $2,440+203.5% |
| Participant deferral / active EE | $7,281 | $5,419+34.4% | $6,710+8.5% | $3,608+101.8% |
| Admin fee / account holder | $5,500 | $5,957-7.7% | $10,264-46.4% | $5,124+7.3% |