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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 | $77,881 | $197,625-60.6% | $177,840-56.2% | $158,966-51.0% |
| Participation rate | 90.9% | 88.5%+2.4pp | 87.7%+3.2pp | 82.0%+8.9pp |
| Annual return | 14.80% | 58.76%-44.0pp | 48.32%-33.5pp | 302.95%-288.2pp |
| Employer contribution / active EE | $20,864 | $6,698+211.5% | $5,919+252.5% | $4,762+338.1% |
| Participant deferral / active EE | $19,781 | $8,405+135.4% | $7,714+156.4% | $5,983+230.6% |
| Admin fee / account holder | $28,608 | $15,405+85.7% | $12,431+130.1% | $11,250+154.3% |