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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 | $40,925 | $183,516-77.7% | $155,534-73.7% | $145,884-71.9% |
| Participation rate | 90.0% | 82.7%+7.3pp | 78.2%+11.8pp | 80.3%+9.7pp |
| Annual return | 16.80% | 61.43%-44.6pp | 64.92%-48.1pp | 551.85%-535.1pp |
| Employer contribution / active EE | $3,464 | $5,315-34.8% | $4,675-25.9% | $4,662-25.7% |
| Participant deferral / active EE | $8,449 | $6,467+30.7% | $5,630+50.1% | $6,690+26.3% |
| Admin fee / account holder | $1,045 | $19,293-94.6% | $15,900-93.4% | $13,392-92.2% |