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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 | $51,736 | $78,707-34.3% | $117,861-56.1% | $70,126-26.2% |
| Participation rate | 94.0% | 73.2%+20.8pp | 79.7%+14.3pp | 69.5%+24.4pp |
| Annual return | 20.04% | 23.30%-3.3pp | 335.11%-315.1pp | 73.15%-53.1pp |
| Employer contribution / active EE | $6,045 | $2,223+171.9% | $3,786+59.7% | $2,343+158.1% |
| Participant deferral / active EE | $4,730 | $3,297+43.4% | $4,482+5.5% | $3,332+42.0% |
| Admin fee / account holder | $1,435 | $5,066-71.7% | $8,021-82.1% | $4,645-69.1% |