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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 | $124,605 | $89,364+39.4% | $141,177-11.7% | $72,983+70.7% |
| Participation rate | 96.4% | 75.1%+21.3pp | 82.5%+14.0pp | 69.5%+26.9pp |
| Annual return | 24.37% | 111.86%-87.5pp | 71.40%-47.0pp | 81.01%-56.6pp |
| Employer contribution / active EE | $2,421 | $3,115-22.3% | $4,736-48.9% | $2,440-0.8% |
| Participant deferral / active EE | $11,837 | $5,419+118.4% | $6,710+76.4% | $3,608+228.1% |
| Admin fee / account holder | $1,083 | $5,959-81.8% | $10,263-89.4% | $5,124-78.9% |