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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 | $67,949 | $98,776-31.2% | $149,745-54.6% | $79,856-14.9% |
| Participation rate | 94.9% | 75.8%+19.1pp | 82.5%+12.4pp | 69.6%+25.2pp |
| Annual return | 21.11% | 27.38%-6.3pp | 276.72%-255.6pp | 31.71%-10.6pp |
| Employer contribution / active EE | $5,750 | $3,217+78.7% | $4,646+23.8% | $2,471+132.7% |
| Participant deferral / active EE | $7,814 | $5,681+37.5% | $6,843+14.2% | $3,741+108.9% |
| Admin fee / account holder | $4,387 | $6,053-27.5% | $9,312-52.9% | $5,306-17.3% |