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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 | $77,626 | $98,760-21.4% | $149,715-48.2% | $79,858-2.8% |
| Participation rate | 91.3% | 75.8%+15.5pp | 82.5%+8.8pp | 69.6%+21.7pp |
| Annual return | 17.54% | 27.43%-9.9pp | 276.66%-259.1pp | 31.72%-14.2pp |
| Employer contribution / active EE | $7,374 | $3,217+129.2% | $4,645+58.8% | $2,471+198.4% |
| Participant deferral / active EE | $12,100 | $5,681+113.0% | $6,842+76.8% | $3,740+223.5% |
| Admin fee / account holder | $5,448 | $6,053-10.0% | $9,310-41.5% | $5,306+2.7% |