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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 | $104,656 | $85,766+22.0% | $136,298-23.2% | $70,126+49.2% |
| Participation rate | 92.1% | 74.2%+17.9pp | 81.9%+10.2pp | 69.5%+22.6pp |
| Annual return | 16.55% | 31.46%-14.9pp | 5156.27%-5139.7pp | 73.15%-56.6pp |
| Employer contribution / active EE | $2,808 | $2,966-5.3% | $4,696-40.2% | $2,343+19.9% |
| Participant deferral / active EE | $5,586 | $5,051+10.6% | $6,247-10.6% | $3,332+67.7% |
| Admin fee / account holder | $2,294 | $5,421-57.7% | $9,244-75.2% | $4,645-50.6% |