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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 | $87,098 | $51,638+68.7% | $68,368+27.4% | $82,448+5.6% |
| Participation rate | 95.5% | 63.6%+31.8pp | 73.8%+21.7pp | 68.1%+27.4pp |
| Annual return | 16.03% | 37.53%-21.5pp | 292.57%-276.5pp | 41.64%-25.6pp |
| Employer contribution / active EE | $4,391 | $2,047+114.6% | $2,649+65.8% | $2,551+72.1% |
| Participant deferral / active EE | $5,782 | $2,914+98.5% | $4,123+40.2% | $4,139+39.7% |
| Admin fee / account holder | $5,584 | $4,643+20.3% | $5,150+8.4% | $7,234-22.8% |