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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 | $132,080 | $183,592-28.1% | $155,574-15.1% | $145,877-9.5% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 14.91% | 61.37%-46.5pp | 64.87%-50.0pp | 551.28%-536.4pp |
| Employer contribution / active EE | $7,941 | $5,317+49.4% | $4,676+69.8% | $4,663+70.3% |
| Participant deferral / active EE | $8,615 | $6,466+33.2% | $5,629+53.0% | $6,691+28.8% |
| Admin fee / account holder | $4,373 | $19,316-77.4% | $15,914-72.5% | $13,402-67.4% |