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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 | $58,412 | $53,128+9.9% | $86,582-32.5% | $70,126-16.7% |
| Participation rate | 92.9% | 65.3%+27.6pp | 73.5%+19.3pp | 69.5%+23.3pp |
| Annual return | 24.39% | 27.66%-3.3pp | 965.08%-940.7pp | 73.15%-48.8pp |
| Employer contribution / active EE | $4,769 | $2,068+130.6% | $2,839+67.9% | $2,343+103.6% |
| Participant deferral / active EE | $12,190 | $2,695+352.3% | $3,609+237.8% | $3,332+265.9% |
| Admin fee / account holder | $3,262 | $3,584-9.0% | $4,904-33.5% | $4,645-29.8% |