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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 | $63,765 | $86,298-26.1% | $111,308-42.7% | $85,847-25.7% |
| Participation rate | 98.0% | 73.3%+24.6pp | 77.3%+20.6pp | 69.3%+28.6pp |
| Annual return | 13.41% | 19.99%-6.6pp | 54.67%-41.3pp | 318.61%-305.2pp |
| Employer contribution / active EE | $4,143 | $2,044+102.7% | $2,732+51.6% | $2,565+61.5% |
| Participant deferral / active EE | $2,610 | $3,641-28.3% | $4,487-41.8% | $3,952-34.0% |
| Admin fee / account holder | $7,763 | $8,189-5.2% | $7,965-2.5% | $6,261+24.0% |