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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 | $70,528 | $162,812-56.7% | $133,971-47.4% | $158,966-55.6% |
| Participation rate | 90.0% | 83.2%+6.8pp | 79.8%+10.2pp | 82.0%+8.0pp |
| Annual return | 13.80% | 41.94%-28.1pp | 45.09%-31.3pp | 302.95%-289.1pp |
| Employer contribution / active EE | $9,708 | $4,976+95.1% | $3,919+147.7% | $4,762+103.9% |
| Participant deferral / active EE | $4,747 | $5,910-19.7% | $5,047-6.0% | $5,983-20.7% |
| Admin fee / account holder | $1,033 | $11,741-91.2% | $8,929-88.4% | $11,250-90.8% |