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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 | $56,402 | $85,766-34.2% | $136,297-58.6% | $70,131-19.6% |
| Participation rate | 92.6% | 74.2%+18.4pp | 81.9%+10.7pp | 69.5%+23.1pp |
| Annual return | 15.28% | 31.45%-16.2pp | 5156.16%-5140.9pp | 73.14%-57.9pp |
| Employer contribution / active EE | $3,823 | $2,966+28.9% | $4,696-18.6% | $2,342+63.2% |
| Participant deferral / active EE | $4,159 | $5,051-17.7% | $6,247-33.4% | $3,332+24.8% |
| Admin fee / account holder | $1,155 | $5,420-78.7% | $9,244-87.5% | $4,645-75.1% |