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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 | $99,258 | $152,612-35.0% | $125,192-20.7% | $152,897-35.1% |
| Participation rate | 90.9% | 83.3%+7.6pp | 79.8%+11.1pp | 82.5%+8.5pp |
| Annual return | 28.80% | 54.85%-26.0pp | 43.79%-15.0pp | 345.43%-316.6pp |
| Employer contribution / active EE | $11,026 | $4,947+122.9% | $3,866+185.2% | $4,764+131.5% |
| Participant deferral / active EE | $4,795 | $5,868-18.3% | $4,937-2.9% | $5,851-18.0% |
| Admin fee / account holder | $3,929 | $13,437-70.8% | $9,704-59.5% | $11,599-66.1% |