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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 | $90,997 | $95,580-4.8% | $76,872+18.4% | $139,466-34.8% |
| Participation rate | 89.5% | 74.0%+15.5pp | 69.6%+19.9pp | 80.3%+9.1pp |
| Annual return | 16.15% | 55.00%-38.8pp | 37.90%-21.8pp | 373.66%-357.5pp |
| Employer contribution / active EE | $2,696 | $3,145-14.3% | $2,533+6.4% | $4,754-43.3% |
| Participant deferral / active EE | $5,496 | $4,623+18.9% | $3,832+43.4% | $6,712-18.1% |
| Admin fee / account holder | $1,955 | $8,302-76.4% | $5,476-64.3% | $11,409-82.9% |