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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 | $93,535 | $69,248+35.1% | $64,101+45.9% | $139,466-32.9% |
| Participation rate | 85.7% | 75.6%+10.1pp | 72.3%+13.4pp | 80.3%+5.4pp |
| Annual return | 12.70% | 45.95%-33.3pp | 33.72%-21.0pp | 373.66%-361.0pp |
| Employer contribution / active EE | $4,355 | $3,185+36.7% | $2,749+58.4% | $4,754-8.4% |
| Participant deferral / active EE | $8,024 | $4,682+71.4% | $3,881+106.8% | $6,712+19.5% |
| Admin fee / account holder | $7,567 | $4,247+78.2% | $3,070+146.5% | $11,409-33.7% |