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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 | $135,461 | $105,200+28.8% | $159,474-15.1% | $85,847+57.8% |
| Participation rate | 84.4% | 75.8%+8.6pp | 82.8%+1.5pp | 69.3%+15.1pp |
| Annual return | 19.66% | 45.08%-25.4pp | 263.68%-244.0pp | 318.61%-298.9pp |
| Employer contribution / active EE | $7,732 | $3,319+133.0% | $4,831+60.0% | $2,565+201.4% |
| Participant deferral / active EE | $15,132 | $5,946+154.5% | $7,353+105.8% | $3,952+282.9% |
| Admin fee / account holder | $12,856 | $6,934+85.4% | $10,802+19.0% | $6,261+105.4% |