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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 | $107,442 | $81,208+32.3% | $98,920+8.6% | $79,856+34.5% |
| Participation rate | 86.1% | 72.5%+13.6pp | 76.0%+10.1pp | 69.6%+16.5pp |
| Annual return | 11.92% | 60.99%-49.1pp | 196.47%-184.6pp | 31.71%-19.8pp |
| Employer contribution / active EE | $778 | $1,960-60.3% | $2,689-71.1% | $2,471-68.5% |
| Participant deferral / active EE | $1,795 | $3,265-45.0% | $4,245-57.7% | $3,741-52.0% |
| Admin fee / account holder | $9,681 | $6,013+61.0% | $6,643+45.7% | $5,306+82.4% |