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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 | $58,258+114.5% | $81,820+52.7% | $80,925+54.4% |
| Participation rate | 95.2% | 63.5%+31.8pp | 72.4%+22.9pp | 67.7%+27.6pp |
| Annual return | 15.85% | 41.76%-25.9pp | 777.93%-762.1pp | 35.65%-19.8pp |
| Employer contribution / active EE | $2,721 | $2,345+16.0% | $2,915-6.7% | $2,756-1.3% |
| Participant deferral / active EE | $5,287 | $3,284+61.0% | $4,323+22.3% | $4,299+23.0% |
| Admin fee / account holder | $3,059 | $4,976-38.5% | $7,391-58.6% | $6,940-55.9% |