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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 | $75,691 | $52,279+44.8% | $89,414-15.3% | $79,852-5.2% |
| Participation rate | 97.5% | 57.5%+40.0pp | 68.0%+29.5pp | 69.6%+27.9pp |
| Annual return | 26.40% | 22.16%+4.2pp | 245.50%-219.1pp | 31.72%-5.3pp |
| Employer contribution / active EE | $5,937 | $1,572+277.8% | $2,586+129.5% | $2,471+140.2% |
| Participant deferral / active EE | $7,140 | $2,740+160.6% | $3,890+83.6% | $3,740+90.9% |
| Admin fee / account holder | $1,860 | $3,356-44.6% | $4,883-61.9% | $5,306-65.0% |