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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 | $81,540 | $98,776-17.4% | $149,745-45.5% | $79,856+2.1% |
| Participation rate | 89.7% | 75.8%+13.9pp | 82.5%+7.2pp | 69.6%+20.0pp |
| Annual return | 19.48% | 27.38%-7.9pp | 276.72%-257.2pp | 31.71%-12.2pp |
| Employer contribution / active EE | $7,129 | $3,217+121.6% | $4,646+53.4% | $2,471+188.5% |
| Participant deferral / active EE | $6,261 | $5,681+10.2% | $6,843-8.5% | $3,741+67.4% |
| Admin fee / account holder | $4,502 | $6,053-25.6% | $9,312-51.7% | $5,306-15.2% |