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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 | $86,909 | $91,559-5.1% | $133,978-35.1% | $79,856+8.8% |
| Participation rate | 90.6% | 73.3%+17.3pp | 79.8%+10.8pp | 69.6%+21.0pp |
| Annual return | 10.43% | 61.85%-51.4pp | 45.10%-34.7pp | 31.71%-21.3pp |
| Employer contribution / active EE | $7,888 | $2,384+230.9% | $3,919+101.3% | $2,471+219.2% |
| Participant deferral / active EE | $4,358 | $3,734+16.7% | $5,047-13.7% | $3,741+16.5% |
| Admin fee / account holder | $4,439 | $6,321-29.8% | $8,930-50.3% | $5,306-16.3% |