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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 | $42,256 | $185,905-77.3% | $170,057-75.2% | $139,487-69.7% |
| Participation rate | 85.7% | 87.8%-2.0pp | 87.0%-1.3pp | 80.3%+5.4pp |
| Annual return | 16.91% | 60.56%-43.7pp | 53.42%-36.5pp | 373.84%-356.9pp |
| Employer contribution / active EE | $5,041 | $7,597-33.6% | $6,790-25.8% | $4,755+6.0% |
| Participant deferral / active EE | $9,855 | $11,627-15.2% | $10,411-5.3% | $6,713+46.8% |
| Admin fee / account holder | $12,518 | $15,397-18.7% | $12,826-2.4% | $11,407+9.7% |