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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 | $94,197 | $79,449+18.6% | $189,558-50.3% | $85,856+9.7% |
| Participation rate | 90.7% | 66.0%+24.7pp | 78.5%+12.2pp | 69.3%+21.4pp |
| Annual return | 15.98% | 18.45%-2.5pp | 64.19%-48.2pp | 318.58%-302.6pp |
| Employer contribution / active EE | $5,663 | $2,081+172.1% | $4,412+28.4% | $2,565+120.8% |
| Participant deferral / active EE | $4,957 | $4,051+22.3% | $6,174-19.7% | $3,952+25.4% |
| Admin fee / account holder | $648 | $5,377-88.0% | $9,809-93.4% | $6,261-89.7% |