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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 | $76,745 | $98,766-22.3% | $149,730-48.7% | $79,852-3.9% |
| Participation rate | 89.7% | 75.8%+13.9pp | 82.5%+7.2pp | 69.6%+20.1pp |
| Annual return | 23.34% | 27.43%-4.1pp | 276.70%-253.4pp | 31.72%-8.4pp |
| Employer contribution / active EE | $5,637 | $3,217+75.2% | $4,645+21.4% | $2,471+128.1% |
| Participant deferral / active EE | $14,676 | $5,681+158.3% | $6,843+114.5% | $3,740+292.4% |
| Admin fee / account holder | $2,078 | $6,052-65.7% | $9,310-77.7% | $5,306-60.8% |