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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 | $120,597 | $105,200+14.6% | $159,474-24.4% | $85,847+40.5% |
| Participation rate | 88.9% | 75.8%+13.1pp | 82.8%+6.1pp | 69.3%+19.6pp |
| Annual return | 16.28% | 45.08%-28.8pp | 263.68%-247.4pp | 318.61%-302.3pp |
| Employer contribution / active EE | $8,178 | $3,319+146.4% | $4,831+69.3% | $2,565+218.8% |
| Participant deferral / active EE | $4,331 | $5,946-27.2% | $7,353-41.1% | $3,952+9.6% |
| Admin fee / account holder | $1,293 | $6,934-81.4% | $10,802-88.0% | $6,261-79.3% |