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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 | $58,906 | $98,776-40.4% | $149,745-60.7% | $79,856-26.2% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 14.74% | 27.38%-12.6pp | 276.72%-262.0pp | 31.71%-17.0pp |
| Employer contribution / active EE | $5,970 | $3,217+85.6% | $4,646+28.5% | $2,471+141.6% |
| Participant deferral / active EE | $4,970 | $5,681-12.5% | $6,843-27.4% | $3,741+32.9% |
| Admin fee / account holder | $5,806 | $6,053-4.1% | $9,312-37.7% | $5,306+9.4% |