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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 | $96,096 | $99,652-3.6% | $78,778+22.0% | $147,585-34.9% |
| Participation rate | 95.0% | 76.2%+18.8pp | 69.2%+25.8pp | 82.8%+12.2pp |
| Annual return | 11.91% | 47.28%-35.4pp | 35.62%-23.7pp | 578.58%-566.7pp |
| Employer contribution / active EE | $5,784 | $2,796+106.9% | $1,986+191.3% | $4,876+18.6% |
| Participant deferral / active EE | $6,358 | $3,664+73.5% | $2,958+114.9% | $5,439+16.9% |
| Admin fee / account holder | $4,093 | $7,155-42.8% | $5,134-20.3% | $10,886-62.4% |