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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 | $81,142 | $77,920+4.1% | $149,723-45.8% | $75,177+7.9% |
| Participation rate | 97.1% | 65.6%+31.6pp | 78.8%+18.4pp | 67.2%+29.9pp |
| Annual return | 16.26% | 31.72%-15.5pp | 134.50%-118.2pp | 160.75%-144.5pp |
| Employer contribution / active EE | $9,841 | $3,138+213.6% | $4,821+104.1% | $2,671+268.4% |
| Participant deferral / active EE | $4,386 | $3,411+28.6% | $5,682-22.8% | $4,126+6.3% |
| Admin fee / account holder | $2,658 | $5,951-55.3% | $13,215-79.9% | $5,651-53.0% |