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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 | $104,878 | $95,406+9.9% | $185,849-43.6% | $85,847+22.2% |
| Participation rate | 96.0% | 68.8%+27.2pp | 81.7%+14.3pp | 69.3%+26.7pp |
| Annual return | 12.53% | 23.59%-11.1pp | 122.10%-109.6pp | 318.61%-306.1pp |
| Employer contribution / active EE | $7,023 | $3,314+111.9% | $5,169+35.9% | $2,565+173.7% |
| Participant deferral / active EE | $9,089 | $3,424+165.5% | $5,569+63.2% | $3,952+130.0% |
| Admin fee / account holder | $3,094 | $7,214-57.1% | $16,244-81.0% | $6,261-50.6% |