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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 | $77,146 | $77,638-0.6% | $156,551-50.7% | $62,881+22.7% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 5.95% | 50.33%-44.4pp | 32.23%-26.3pp | 20.14%-14.2pp |
| Employer contribution / active EE | $3,910 | $3,444+13.5% | $5,501-28.9% | $2,281+71.4% |
| Participant deferral / active EE | $5,007 | $3,046+64.4% | $4,871+2.8% | $3,203+56.3% |
| Admin fee / account holder | $2,164 | $5,561-61.1% | $13,028-83.4% | $4,296-49.6% |