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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 | $63,888 | $61,125+4.5% | $94,057-32.1% | $87,485-27.0% |
| Participation rate | 89.7% | 64.1%+25.6pp | 73.3%+16.4pp | 68.9%+20.8pp |
| Annual return | 27.56% | 35.20%-7.6pp | 480.62%-453.1pp | 26.06%+1.5pp |
| Employer contribution / active EE | $3,299 | $2,136+54.4% | $2,933+12.5% | $2,596+27.1% |
| Participant deferral / active EE | $7,490 | $3,260+129.8% | $4,709+59.0% | $4,274+75.3% |
| Admin fee / account holder | $4,084 | $5,629-27.4% | $7,244-43.6% | $7,775-47.5% |