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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 | $69,058 | $65,440+5.5% | $98,506-29.9% | $85,851-19.6% |
| Participation rate | 97.8% | 65.0%+32.8pp | 73.3%+24.4pp | 69.3%+28.5pp |
| Annual return | 13.15% | 21.75%-8.6pp | 1494.92%-1481.8pp | 318.63%-305.5pp |
| Employer contribution / active EE | $3,341 | $2,169+54.0% | $2,961+12.8% | $2,565+30.2% |
| Participant deferral / active EE | $5,385 | $3,168+70.0% | $4,277+25.9% | $3,952+36.2% |
| Admin fee / account holder | $3,536 | $4,596-23.1% | $5,955-40.6% | $6,261-43.5% |