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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 | $132,316 | $89,367+48.1% | $141,191-6.3% | $72,975+81.3% |
| Participation rate | 97.2% | 75.1%+22.1pp | 82.5%+14.7pp | 69.5%+27.7pp |
| Annual return | 22.86% | 111.87%-89.0pp | 71.41%-48.5pp | 81.01%-58.1pp |
| Employer contribution / active EE | $3,362 | $3,115+7.9% | $4,736-29.0% | $2,440+37.8% |
| Participant deferral / active EE | $7,863 | $5,419+45.1% | $6,710+17.2% | $3,608+118.0% |
| Admin fee / account holder | $3,315 | $5,957-44.3% | $10,264-67.7% | $5,124-35.3% |