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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 | $39,856 | $183,516-78.3% | $155,534-74.4% | $145,884-72.7% |
| Participation rate | 95.0% | 82.7%+12.3pp | 78.2%+16.8pp | 80.3%+14.7pp |
| Annual return | 10.86% | 61.43%-50.6pp | 64.92%-54.1pp | 551.85%-541.0pp |
| Employer contribution / active EE | $2,538 | $5,315-52.2% | $4,675-45.7% | $4,662-45.6% |
| Participant deferral / active EE | $8,525 | $6,467+31.8% | $5,630+51.4% | $6,690+27.4% |
| Admin fee / account holder | $1,646 | $19,293-91.5% | $15,900-89.6% | $13,392-87.7% |