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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 | $72,763 | $70,430+3.3% | $96,572-24.7% | $85,851-15.2% |
| Participation rate | 90.5% | 61.8%+28.7pp | 69.8%+20.7pp | 69.3%+21.2pp |
| Annual return | 12.80% | 18.58%-5.8pp | 37.79%-25.0pp | 318.63%-305.8pp |
| Employer contribution / active EE | $8,356 | $1,413+491.3% | $2,357+254.5% | $2,565+225.7% |
| Participant deferral / active EE | $2,985 | $2,894+3.1% | $3,850-22.5% | $3,952-24.5% |
| Admin fee / account holder | $3,130 | $4,996-37.4% | $6,183-49.4% | $6,261-50.0% |