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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 | $107,247 | $105,200+1.9% | $159,474-32.7% | $85,847+24.9% |
| Participation rate | 96.0% | 75.8%+20.2pp | 82.8%+13.2pp | 69.3%+26.7pp |
| Annual return | 13.90% | 45.08%-31.2pp | 263.68%-249.8pp | 318.61%-304.7pp |
| Employer contribution / active EE | $3,571 | $3,319+7.6% | $4,831-26.1% | $2,565+39.2% |
| Participant deferral / active EE | $8,589 | $5,946+44.5% | $7,353+16.8% | $3,952+117.3% |
| Admin fee / account holder | $3,193 | $6,934-54.0% | $10,802-70.4% | $6,261-49.0% |