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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 | $59,163 | $89,370-33.8% | $141,197-58.1% | $72,976-18.9% |
| Participation rate | 90.6% | 75.1%+15.4pp | 82.5%+8.1pp | 69.5%+21.1pp |
| Annual return | 29.05% | 111.88%-82.8pp | 71.41%-42.4pp | 81.02%-52.0pp |
| Employer contribution / active EE | $5,384 | $3,115+72.9% | $4,736+13.7% | $2,440+120.7% |
| Participant deferral / active EE | $9,779 | $5,419+80.5% | $6,710+45.7% | $3,608+171.1% |
| Admin fee / account holder | $372 | $5,957-93.8% | $10,265-96.4% | $5,124-92.7% |