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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 | $119,046 | $185,883-36.0% | $170,043-30.0% | $139,466-14.6% |
| Participation rate | 93.3% | 87.8%+5.6pp | 87.0%+6.3pp | 80.3%+13.0pp |
| Annual return | 34.93% | 60.54%-25.6pp | 53.40%-18.5pp | 373.66%-338.7pp |
| Employer contribution / active EE | $15,082 | $7,596+98.5% | $6,790+122.1% | $4,754+217.3% |
| Participant deferral / active EE | $16,455 | $11,626+41.5% | $10,410+58.1% | $6,712+145.2% |
| Admin fee / account holder | $1,094 | $15,393-92.9% | $12,824-91.5% | $11,409-90.4% |