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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 | $87,254 | $126,519-31.0% | $106,201-17.8% | $145,959-40.2% |
| Participation rate | 80.0% | 77.7%+2.3pp | 75.3%+4.7pp | 80.3%-0.3pp |
| Annual return | 11.62% | 225.10%-213.5pp | 116.26%-104.6pp | 561.95%-550.3pp |
| Employer contribution / active EE | $8,408 | $3,726+125.7% | $3,170+165.3% | $4,661+80.4% |
| Participant deferral / active EE | $17,297 | $5,716+202.6% | $5,012+245.1% | $6,689+158.6% |
| Admin fee / account holder | $489 | $17,312-97.2% | $11,039-95.6% | $13,398-96.4% |