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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 | $86,482 | $172,111-49.8% | $150,298-42.5% | $137,256-37.0% |
| Participation rate | 88.9% | 81.7%+7.2pp | 77.8%+11.1pp | 80.0%+8.9pp |
| Annual return | 18.34% | 69.37%-51.0pp | 62.79%-44.5pp | 220.34%-202.0pp |
| Employer contribution / active EE | $26,412 | $4,636+469.7% | $4,154+535.8% | $4,156+535.5% |
| Participant deferral / active EE | $16,302 | $6,166+164.4% | $5,453+199.0% | $6,407+154.4% |
| Admin fee / account holder | $11,984 | $16,471-27.2% | $14,116-15.1% | $12,270-2.3% |