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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 | $104,095 | $183,539-43.3% | $155,556-33.1% | $145,897-28.7% |
| Participation rate | 90.5% | 82.7%+7.8pp | 78.2%+12.3pp | 80.3%+10.2pp |
| Annual return | 12.03% | 61.31%-49.3pp | 64.84%-52.8pp | 552.29%-540.3pp |
| Employer contribution / active EE | $2,824 | $5,315-46.9% | $4,675-39.6% | $4,663-39.4% |
| Participant deferral / active EE | $7,757 | $6,467+19.9% | $5,631+37.8% | $6,689+16.0% |
| Admin fee / account holder | $6,338 | $19,275-67.1% | $15,885-60.1% | $13,390-52.7% |