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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 | $76,525 | $48,053+59.3% | $84,637-9.6% | $72,976+4.9% |
| Participation rate | 92.6% | 57.6%+35.0pp | 68.2%+24.4pp | 69.5%+23.1pp |
| Annual return | 20.33% | 37.39%-17.1pp | 258.82%-238.5pp | 81.02%-60.7pp |
| Employer contribution / active EE | $4,453 | $1,602+178.0% | $2,653+67.8% | $2,440+82.5% |
| Participant deferral / active EE | $4,847 | $2,681+80.8% | $3,900+24.3% | $3,608+34.3% |
| Admin fee / account holder | $1,602 | $3,395-52.8% | $4,914-67.4% | $5,124-68.7% |