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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 | $58,865 | $48,053+22.5% | $84,628-30.4% | $72,975-19.3% |
| Participation rate | 97.1% | 57.6%+39.6pp | 68.2%+28.9pp | 69.5%+27.7pp |
| Annual return | 23.99% | 37.39%-13.4pp | 258.80%-234.8pp | 81.01%-57.0pp |
| Employer contribution / active EE | $5,295 | $1,602+230.5% | $2,653+99.6% | $2,440+117.0% |
| Participant deferral / active EE | $4,930 | $2,681+83.9% | $3,900+26.4% | $3,608+36.6% |
| Admin fee / account holder | $5,103 | $3,395+50.3% | $4,914+3.8% | $5,124-0.4% |