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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 | $80,319 | $98,776-18.7% | $149,745-46.4% | $79,856+0.6% |
| Participation rate | 94.9% | 75.8%+19.1pp | 82.5%+12.4pp | 69.6%+25.2pp |
| Annual return | 21.33% | 27.38%-6.0pp | 276.72%-255.4pp | 31.71%-10.4pp |
| Employer contribution / active EE | $5,881 | $3,217+82.8% | $4,646+26.6% | $2,471+138.0% |
| Participant deferral / active EE | $5,048 | $5,681-11.1% | $6,843-26.2% | $3,741+35.0% |
| Admin fee / account holder | $6,936 | $6,053+14.6% | $9,312-25.5% | $5,306+30.7% |