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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 | $97,670 | $211,224-53.8% | $178,505-45.3% | $145,897-33.1% |
| Participation rate | 92.3% | 80.8%+11.5pp | 77.1%+15.2pp | 80.3%+12.0pp |
| Annual return | 12.42% | 30.28%-17.9pp | 27.16%-14.7pp | 552.29%-539.9pp |
| Employer contribution / active EE | $7,772 | $4,577+69.8% | $3,955+96.5% | $4,663+66.7% |
| Participant deferral / active EE | $4,723 | $6,966-32.2% | $6,280-24.8% | $6,689-29.4% |
| Admin fee / account holder | $846 | $12,109-93.0% | $10,428-91.9% | $13,390-93.7% |