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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 | $81,095 | $88,672-8.5% | $105,223-22.9% | $82,448-1.6% |
| Participation rate | 92.3% | 67.9%+24.4pp | 75.0%+17.3pp | 68.1%+24.2pp |
| Annual return | 25.68% | 30.86%-5.2pp | 180.65%-155.0pp | 41.64%-16.0pp |
| Employer contribution / active EE | $4,136 | $3,048+35.7% | $3,689+12.1% | $2,551+62.1% |
| Participant deferral / active EE | $8,983 | $4,036+122.6% | $5,072+77.1% | $4,139+117.0% |
| Admin fee / account holder | $1,501 | $7,146-79.0% | $8,859-83.1% | $7,234-79.3% |