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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 | $94,528 | $124,314-24.0% | $109,163-13.4% | $167,518-43.6% |
| Participation rate | 95.7% | 79.4%+16.2pp | 75.9%+19.8pp | 82.1%+13.5pp |
| Annual return | 11.69% | 26.04%-14.4pp | 25.75%-14.1pp | 478.71%-467.0pp |
| Employer contribution / active EE | $9,470 | $4,209+125.0% | $3,723+154.4% | $4,838+95.7% |
| Participant deferral / active EE | $5,792 | $5,256+10.2% | $4,654+24.4% | $6,342-8.7% |
| Admin fee / account holder | $756 | $7,973-90.5% | $6,754-88.8% | $12,312-93.9% |