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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 | $54,377 | $55,902-2.7% | $76,030-28.5% | $80,959-32.8% |
| Participation rate | 76.3% | 62.1%+14.3pp | 69.1%+7.3pp | 67.7%+8.6pp |
| Annual return | 15.07% | 20.59%-5.5pp | 361.54%-346.5pp | 35.67%-20.6pp |
| Employer contribution / active EE | $4,399 | $1,867+135.6% | $2,688+63.7% | $2,757+59.5% |
| Participant deferral / active EE | $7,747 | $3,051+153.9% | $4,257+82.0% | $4,300+80.1% |
| Admin fee / account holder | $4,355 | $5,239-16.9% | $6,421-32.2% | $6,925-37.1% |