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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 | $128,894 | $99,652+29.3% | $78,778+63.6% | $147,586-12.7% |
| Participation rate | 90.0% | 76.2%+13.8pp | 69.2%+20.8pp | 82.8%+7.2pp |
| Annual return | 10.74% | 47.28%-36.5pp | 35.62%-24.9pp | 578.59%-567.9pp |
| Employer contribution / active EE | $3,988 | $2,796+42.7% | $1,986+100.9% | $4,876-18.2% |
| Participant deferral / active EE | $7,668 | $3,664+109.3% | $2,958+159.2% | $5,439+41.0% |
| Admin fee / account holder | $1,117 | $7,155-84.4% | $5,134-78.2% | $10,886-89.7% |