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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 | $63,279 | $89,259-29.1% | $107,187-41.0% | $82,637-23.4% |
| Participation rate | 96.9% | 67.9%+28.9pp | 75.0%+21.9pp | 68.1%+28.8pp |
| Annual return | 15.42% | 21.02%-5.6pp | 204.55%-189.1pp | 53.51%-38.1pp |
| Employer contribution / active EE | $6,115 | $3,080+98.5% | $3,782+61.7% | $2,552+139.6% |
| Participant deferral / active EE | $4,865 | $4,037+20.5% | $5,096-4.5% | $4,126+17.9% |
| Admin fee / account holder | $12,495 | $7,381+69.3% | $9,162+36.4% | $7,339+70.3% |