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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 | $92,638 | $118,877-22.1% | $96,570-4.1% | $167,536-44.7% |
| Participation rate | 92.9% | 75.5%+17.4pp | 69.8%+23.0pp | 82.1%+10.7pp |
| Annual return | 16.55% | 50.50%-33.9pp | 37.79%-21.2pp | 478.82%-462.3pp |
| Employer contribution / active EE | $8,978 | $3,121+187.7% | $2,357+280.9% | $4,839+85.5% |
| Participant deferral / active EE | $5,686 | $4,617+23.2% | $3,849+47.7% | $6,342-10.3% |
| Admin fee / account holder | $434 | $8,069-94.6% | $6,182-93.0% | $12,315-96.5% |