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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 | $78,107 | $127,296-38.6% | $109,907-28.9% | $167,536-53.4% |
| Participation rate | 85.7% | 77.9%+7.8pp | 74.2%+11.5pp | 82.1%+3.6pp |
| Annual return | 13.15% | 22.97%-9.8pp | 29.46%-16.3pp | 478.82%-465.7pp |
| Employer contribution / active EE | $15,788 | $3,325+374.9% | $2,844+455.2% | $4,839+226.3% |
| Participant deferral / active EE | $16,743 | $4,513+271.0% | $4,047+313.7% | $6,342+164.0% |
| Admin fee / account holder | $1,007 | $7,119-85.9% | $6,069-83.4% | $12,315-91.8% |