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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 | $58,635 | $115,814-49.4% | $101,275-42.1% | $158,982-63.1% |
| Participation rate | 90.0% | 79.4%+10.6pp | 75.8%+14.2pp | 82.0%+8.0pp |
| Annual return | 23.34% | 56.16%-32.8pp | 46.48%-23.1pp | 302.99%-279.6pp |
| Employer contribution / active EE | $5,398 | $4,176+29.3% | $3,660+47.5% | $4,763+13.3% |
| Participant deferral / active EE | $10,524 | $4,958+112.3% | $4,371+140.8% | $5,983+75.9% |
| Admin fee / account holder | $386 | $7,249-94.7% | $5,948-93.5% | $11,252-96.6% |