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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 | $99,143 | $88,672+11.8% | $105,223-5.8% | $82,448+20.2% |
| Participation rate | 96.7% | 67.9%+28.7pp | 75.0%+21.6pp | 68.1%+28.6pp |
| Annual return | 22.75% | 30.86%-8.1pp | 180.65%-157.9pp | 41.64%-18.9pp |
| Employer contribution / active EE | $7,614 | $3,048+149.8% | $3,689+106.4% | $2,551+198.5% |
| Participant deferral / active EE | $16,536 | $4,036+309.7% | $5,072+226.0% | $4,139+299.5% |
| Admin fee / account holder | $4,587 | $7,146-35.8% | $8,859-48.2% | $7,234-36.6% |