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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 | $62,896 | $65,034-3.3% | $90,970-30.9% | $79,856-21.2% |
| Participation rate | 84.6% | 61.6%+23.0pp | 69.0%+15.6pp | 69.6%+15.0pp |
| Annual return | 14.81% | 30.45%-15.6pp | 134.60%-119.8pp | 31.71%-16.9pp |
| Employer contribution / active EE | $4,765 | $1,247+282.0% | $2,122+124.6% | $2,471+92.8% |
| Participant deferral / active EE | $10,820 | $2,512+330.7% | $3,373+220.8% | $3,741+189.3% |
| Admin fee / account holder | $6,099 | $4,536+34.5% | $5,961+2.3% | $5,306+14.9% |