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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 | $55,930-2.8% | $76,089-28.5% | $80,925-32.8% |
| Participation rate | 76.3% | 62.1%+14.3pp | 69.1%+7.2pp | 67.7%+8.7pp |
| Annual return | 15.07% | 20.58%-5.5pp | 360.94%-345.9pp | 35.65%-20.6pp |
| Employer contribution / active EE | $4,399 | $1,866+135.7% | $2,690+63.5% | $2,756+59.6% |
| Participant deferral / active EE | $7,747 | $3,051+153.9% | $4,259+81.9% | $4,299+80.2% |
| Admin fee / account holder | $4,355 | $5,241-16.9% | $6,418-32.1% | $6,940-37.2% |