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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 | $77,816 | $157,276-50.5% | $141,177-44.9% | $152,885-49.1% |
| Participation rate | 94.4% | 84.8%+9.6pp | 82.5%+12.0pp | 82.5%+12.0pp |
| Annual return | 27.86% | 64.33%-36.5pp | 71.40%-43.5pp | 345.39%-317.5pp |
| Employer contribution / active EE | $11,026 | $5,262+109.5% | $4,736+132.8% | $4,763+131.5% |
| Participant deferral / active EE | $10,649 | $7,110+49.8% | $6,710+58.7% | $5,851+82.0% |
| Admin fee / account holder | $2,411 | $12,123-80.1% | $10,263-76.5% | $11,598-79.2% |