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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 | $106,102 | $172,111-38.4% | $150,298-29.4% | $137,256-22.7% |
| Participation rate | 88.9% | 81.7%+7.2pp | 77.8%+11.1pp | 80.0%+8.9pp |
| Annual return | 18.50% | 69.37%-50.9pp | 62.79%-44.3pp | 220.34%-201.8pp |
| Employer contribution / active EE | $7,951 | $4,636+71.5% | $4,154+91.4% | $4,156+91.3% |
| Participant deferral / active EE | $8,244 | $6,166+33.7% | $5,453+51.2% | $6,407+28.7% |
| Admin fee / account holder | $1,241 | $16,471-92.5% | $14,116-91.2% | $12,270-89.9% |