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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 | $95,985 | $98,776-2.8% | $149,745-35.9% | $79,856+20.2% |
| Participation rate | 96.6% | 75.8%+20.8pp | 82.5%+14.1pp | 69.6%+26.9pp |
| Annual return | 14.99% | 27.38%-12.4pp | 276.72%-261.7pp | 31.71%-16.7pp |
| Employer contribution / active EE | $5,557 | $3,217+72.7% | $4,646+19.6% | $2,471+124.9% |
| Participant deferral / active EE | $4,670 | $5,681-17.8% | $6,843-31.8% | $3,741+24.9% |
| Admin fee / account holder | $2,665 | $6,053-56.0% | $9,312-71.4% | $5,306-49.8% |