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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 | $83,412 | $89,364-6.7% | $141,177-40.9% | $72,983+14.3% |
| Participation rate | 98.1% | 75.1%+23.0pp | 82.5%+15.6pp | 69.5%+28.6pp |
| Annual return | 34.30% | 111.86%-77.6pp | 71.40%-37.1pp | 81.01%-46.7pp |
| Employer contribution / active EE | $10,995 | $3,115+253.0% | $4,736+132.2% | $2,440+350.6% |
| Participant deferral / active EE | $9,548 | $5,419+76.2% | $6,710+42.3% | $3,608+164.7% |
| Admin fee / account holder | $3,541 | $5,959-40.6% | $10,263-65.5% | $5,124-30.9% |