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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 | $80,688 | $105,200-23.3% | $159,474-49.4% | $85,847-6.0% |
| Participation rate | 94.7% | 75.8%+19.0pp | 82.8%+11.9pp | 69.3%+25.4pp |
| Annual return | 33.53% | 45.08%-11.5pp | 263.68%-230.2pp | 318.61%-285.1pp |
| Employer contribution / active EE | $5,504 | $3,319+65.8% | $4,831+13.9% | $2,565+114.6% |
| Participant deferral / active EE | $9,988 | $5,946+68.0% | $7,353+35.8% | $3,952+152.7% |
| Admin fee / account holder | $9,577 | $6,934+38.1% | $10,802-11.3% | $6,261+53.0% |