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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 | $73,482 | $98,760-25.6% | $149,710-50.9% | $79,860-8.0% |
| Participation rate | 92.5% | 75.8%+16.8pp | 82.5%+10.1pp | 69.6%+22.9pp |
| Annual return | 39.78% | 27.43%+12.4pp | 276.63%-236.9pp | 31.72%+8.1pp |
| Employer contribution / active EE | $5,516 | $3,217+71.5% | $4,645+18.8% | $2,471+123.2% |
| Participant deferral / active EE | $9,387 | $5,681+65.2% | $6,842+37.2% | $3,740+151.0% |
| Admin fee / account holder | $3,453 | $6,053-43.0% | $9,309-62.9% | $5,306-34.9% |