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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 | $71,823 | $98,776-27.3% | $149,745-52.0% | $79,856-10.1% |
| Participation rate | 85.7% | 75.8%+9.9pp | 82.5%+3.2pp | 69.6%+16.1pp |
| Annual return | 23.74% | 27.38%-3.6pp | 276.72%-253.0pp | 31.71%-8.0pp |
| Employer contribution / active EE | $4,505 | $3,217+40.0% | $4,646-3.0% | $2,471+82.3% |
| Participant deferral / active EE | $6,654 | $5,681+17.1% | $6,843-2.8% | $3,741+77.9% |
| Admin fee / account holder | $1,468 | $6,053-75.7% | $9,312-84.2% | $5,306-72.3% |