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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 | $81,070 | $68,681+18.0% | $86,615-6.4% | $85,847-5.6% |
| Participation rate | 94.4% | 66.4%+28.1pp | 71.6%+22.8pp | 69.3%+25.1pp |
| Annual return | 19.43% | 20.12%-0.7pp | 63.51%-44.1pp | 318.61%-299.2pp |
| Employer contribution / active EE | $4,364 | $1,880+132.1% | $2,496+74.9% | $2,565+70.1% |
| Participant deferral / active EE | $9,575 | $2,919+228.0% | $3,699+158.8% | $3,952+142.3% |
| Admin fee / account holder | $1,849 | $5,974-69.0% | $5,830-68.3% | $6,261-70.5% |