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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 | $79,393 | $93,345-14.9% | $119,126-33.4% | $87,485-9.2% |
| Participation rate | 88.9% | 68.7%+20.2pp | 75.8%+13.1pp | 68.9%+20.0pp |
| Annual return | 13.51% | 19.08%-5.6pp | 282.11%-268.6pp | 26.06%-12.6pp |
| Employer contribution / active EE | $4,981 | $3,172+57.1% | $4,034+23.5% | $2,596+91.9% |
| Participant deferral / active EE | $3,689 | $4,099-10.0% | $5,318-30.6% | $4,274-13.7% |
| Admin fee / account holder | $1,352 | $8,039-83.2% | $10,693-87.4% | $7,775-82.6% |