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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 | $94,120 | $89,259+5.4% | $107,187-12.2% | $82,637+13.9% |
| Participation rate | 85.0% | 67.9%+17.1pp | 75.0%+10.0pp | 68.1%+16.9pp |
| Annual return | 19.33% | 21.02%-1.7pp | 204.55%-185.2pp | 53.51%-34.2pp |
| Employer contribution / active EE | $5,722 | $3,080+85.8% | $3,782+51.3% | $2,552+124.2% |
| Participant deferral / active EE | $6,863 | $4,037+70.0% | $5,096+34.7% | $4,126+66.3% |
| Admin fee / account holder | $2,598 | $7,381-64.8% | $9,162-71.6% | $7,339-64.6% |