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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 | $75,449 | $102,422-26.3% | $147,117-48.7% | $80,959-6.8% |
| Participation rate | 98.1% | 75.9%+22.2pp | 82.2%+15.9pp | 67.7%+30.4pp |
| Annual return | 17.37% | 135.16%-117.8pp | 420.54%-403.2pp | 35.67%-18.3pp |
| Employer contribution / active EE | $3,132 | $3,717-15.8% | $4,932-36.5% | $2,757+13.6% |
| Participant deferral / active EE | $8,068 | $6,652+21.3% | $8,0650% | $4,300+87.6% |
| Admin fee / account holder | $4,622 | $7,953-41.9% | $12,993-64.4% | $6,925-33.3% |