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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 | $61,454 | $125,184-50.9% | $105,607-41.8% | $145,884-57.9% |
| Participation rate | 93.3% | 77.6%+15.7pp | 75.3%+18.1pp | 80.3%+13.0pp |
| Annual return | 12.76% | 225.00%-212.2pp | 116.11%-103.3pp | 551.85%-539.1pp |
| Employer contribution / active EE | $7,150 | $3,720+92.2% | $3,167+125.8% | $4,662+53.4% |
| Participant deferral / active EE | $16,286 | $5,714+185.0% | $5,011+225.0% | $6,690+143.5% |
| Admin fee / account holder | $887 | $17,133-94.8% | $10,958-91.9% | $13,392-93.4% |