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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 | $63,686 | $98,766-35.5% | $149,730-57.5% | $79,852-20.2% |
| Participation rate | 98.0% | 75.8%+22.2pp | 82.5%+15.5pp | 69.6%+28.4pp |
| Annual return | 25.42% | 27.43%-2.0pp | 276.70%-251.3pp | 31.72%-6.3pp |
| Employer contribution / active EE | $5,687 | $3,217+76.8% | $4,645+22.4% | $2,471+130.1% |
| Participant deferral / active EE | $9,678 | $5,681+70.4% | $6,843+41.4% | $3,740+158.7% |
| Admin fee / account holder | $1,948 | $6,052-67.8% | $9,310-79.1% | $5,306-63.3% |