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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 | $63,883 | $65,034-1.8% | $90,970-29.8% | $79,856-20.0% |
| Participation rate | 98.4% | 61.6%+36.8pp | 69.0%+29.4pp | 69.6%+28.8pp |
| Annual return | 24.62% | 30.45%-5.8pp | 134.60%-110.0pp | 31.71%-7.1pp |
| Employer contribution / active EE | $5,189 | $1,247+316.0% | $2,122+144.6% | $2,471+110.0% |
| Participant deferral / active EE | $2,418 | $2,512-3.8% | $3,373-28.3% | $3,741-35.4% |
| Admin fee / account holder | $2,554 | $4,536-43.7% | $5,961-57.2% | $5,306-51.9% |