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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 | $77,956 | $78,682-0.9% | $109,188-28.6% | $85,851-9.2% |
| Participation rate | 93.9% | 68.3%+25.6pp | 75.9%+18.0pp | 69.3%+24.6pp |
| Annual return | 13.03% | 25.09%-12.1pp | 25.76%-12.7pp | 318.63%-305.6pp |
| Employer contribution / active EE | $5,298 | $2,734+93.8% | $3,723+42.3% | $2,565+106.5% |
| Participant deferral / active EE | $6,082 | $3,468+75.4% | $4,654+30.7% | $3,952+53.9% |
| Admin fee / account holder | $468 | $5,470-91.4% | $6,755-93.1% | $6,261-92.5% |