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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 | $61,772 | $77,638-20.4% | $156,551-60.5% | $62,881-1.8% |
| Participation rate | 92.3% | 71.2%+21.1pp | 84.0%+8.3pp | 69.3%+23.0pp |
| Annual return | 5.11% | 50.33%-45.2pp | 32.23%-27.1pp | 20.14%-15.0pp |
| Employer contribution / active EE | $6,893 | $3,444+100.1% | $5,501+25.3% | $2,281+202.2% |
| Participant deferral / active EE | $5,597 | $3,046+83.8% | $4,871+14.9% | $3,203+74.7% |
| Admin fee / account holder | $973 | $5,561-82.5% | $13,028-92.5% | $4,296-77.4% |