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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 | $48,809 | $98,760-50.6% | $149,710-67.4% | $79,860-38.9% |
| Participation rate | 90.8% | 75.8%+15.0pp | 82.5%+8.3pp | 69.6%+21.1pp |
| Annual return | 22.63% | 27.43%-4.8pp | 276.63%-254.0pp | 31.72%-9.1pp |
| Employer contribution / active EE | $6,754 | $3,217+109.9% | $4,645+45.4% | $2,471+173.3% |
| Participant deferral / active EE | $8,875 | $5,681+56.2% | $6,842+29.7% | $3,740+137.3% |
| Admin fee / account holder | $5,129 | $6,053-15.3% | $9,309-44.9% | $5,306-3.3% |