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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 | $87,978 | $160,040-45.0% | $147,096-40.2% | $145,877-39.7% |
| Participation rate | 87.0% | 84.0%+2.9pp | 82.2%+4.8pp | 80.3%+6.7pp |
| Annual return | 17.05% | 98.49%-81.4pp | 419.75%-402.7pp | 551.28%-534.2pp |
| Employer contribution / active EE | $3,461 | $5,289-34.6% | $4,936-29.9% | $4,663-25.8% |
| Participant deferral / active EE | $12,964 | $8,429+53.8% | $8,071+60.6% | $6,691+93.8% |
| Admin fee / account holder | $24,784 | $15,050+64.7% | $13,005+90.6% | $13,402+84.9% |