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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 | $85,427 | $106,267-19.6% | $96,520-11.5% | $139,456-38.7% |
| Participation rate | 95.7% | 77.8%+17.8pp | 74.3%+21.3pp | 80.3%+15.3pp |
| Annual return | 17.42% | 38.45%-21.0pp | 35.72%-18.3pp | 373.45%-356.0pp |
| Employer contribution / active EE | $6,471 | $4,105+57.6% | $3,739+73.1% | $4,753+36.2% |
| Participant deferral / active EE | $7,289 | $5,454+33.6% | $4,879+49.4% | $6,711+8.6% |
| Admin fee / account holder | $5,154 | $7,882-34.6% | $6,733-23.5% | $11,407-54.8% |