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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 | $86,276 | $98,776-12.7% | $149,745-42.4% | $79,856+8.0% |
| Participation rate | 97.1% | 75.8%+21.4pp | 82.5%+14.7pp | 69.6%+27.5pp |
| Annual return | 17.72% | 27.38%-9.7pp | 276.72%-259.0pp | 31.71%-14.0pp |
| Employer contribution / active EE | $6,995 | $3,217+117.4% | $4,646+50.6% | $2,471+183.0% |
| Participant deferral / active EE | $7,445 | $5,681+31.0% | $6,843+8.8% | $3,741+99.0% |
| Admin fee / account holder | $4,708 | $6,053-22.2% | $9,312-49.4% | $5,306-11.3% |