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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 | $90,123 | $48,011+87.7% | $63,803+41.3% | $82,637+9.1% |
| Participation rate | 79.2% | 66.6%+12.6pp | 72.7%+6.5pp | 68.1%+11.1pp |
| Annual return | 17.80% | 19.84%-2.0pp | 543.72%-525.9pp | 53.51%-35.7pp |
| Employer contribution / active EE | $3,453 | $1,904+81.4% | $2,532+36.3% | $2,552+35.3% |
| Participant deferral / active EE | $6,431 | $2,846+125.9% | $3,843+67.3% | $4,126+55.9% |
| Admin fee / account holder | $6,792 | $3,873+75.3% | $5,196+30.7% | $7,339-7.5% |