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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 | $72,212 | $217,432-66.8% | $185,851-61.1% | $167,553-56.9% |
| Participation rate | 86.7% | 86.1%+0.6pp | 81.7%+5.0pp | 82.1%+4.6pp |
| Annual return | 13.35% | 148.43%-135.1pp | 122.11%-108.8pp | 478.89%-465.5pp |
| Employer contribution / active EE | $8,265 | $5,874+40.7% | $5,168+59.9% | $4,840+70.8% |
| Participant deferral / active EE | $8,153 | $6,357+28.3% | $5,569+46.4% | $6,343+28.5% |
| Admin fee / account holder | $2,857 | $19,820-85.6% | $16,245-82.4% | $12,316-76.8% |