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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 | $72,256 | $78,707-8.2% | $117,861-38.7% | $70,126+3.0% |
| Participation rate | 100.0% | 73.2%+26.8pp | 79.7%+20.3pp | 69.5%+30.5pp |
| Annual return | 20.30% | 23.30%-3.0pp | 335.11%-314.8pp | 73.15%-52.8pp |
| Employer contribution / active EE | $3,962 | $2,223+78.2% | $3,786+4.6% | $2,343+69.1% |
| Participant deferral / active EE | $5,380 | $3,297+63.2% | $4,482+20.0% | $3,332+61.5% |
| Admin fee / account holder | $539 | $5,066-89.4% | $8,021-93.3% | $4,645-88.4% |