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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 | $83,297 | $98,766-15.7% | $149,730-44.4% | $79,852+4.3% |
| Participation rate | 97.1% | 75.8%+21.4pp | 82.5%+14.7pp | 69.6%+27.5pp |
| Annual return | 18.33% | 27.43%-9.1pp | 276.70%-258.4pp | 31.72%-13.4pp |
| Employer contribution / active EE | $7,408 | $3,217+130.3% | $4,645+59.5% | $2,471+199.8% |
| Participant deferral / active EE | $5,434 | $5,681-4.3% | $6,843-20.6% | $3,740+45.3% |
| Admin fee / account holder | $939 | $6,052-84.5% | $9,310-89.9% | $5,306-82.3% |