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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 | $124,975 | $58,275+114.5% | $81,844+52.7% | $80,935+54.4% |
| Participation rate | 95.2% | 63.5%+31.8pp | 72.4%+22.9pp | 67.7%+27.6pp |
| Annual return | 15.85% | 41.82%-26.0pp | 778.87%-763.0pp | 35.66%-19.8pp |
| Employer contribution / active EE | $2,721 | $2,346+16.0% | $2,916-6.7% | $2,757-1.3% |
| Participant deferral / active EE | $5,287 | $3,285+60.9% | $4,323+22.3% | $4,299+23.0% |
| Admin fee / account holder | $3,059 | $4,749-35.6% | $7,355-58.4% | $6,924-55.8% |