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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 | $79,236 | $98,776-19.8% | $149,745-47.1% | $79,856-0.8% |
| Participation rate | 82.4% | 75.8%+6.6pp | 82.5%-0.1pp | 69.6%+12.7pp |
| Annual return | 22.65% | 27.38%-4.7pp | 276.72%-254.1pp | 31.71%-9.1pp |
| Employer contribution / active EE | $5,684 | $3,217+76.7% | $4,646+22.4% | $2,471+130.0% |
| Participant deferral / active EE | $5,510 | $5,681-3.0% | $6,843-19.5% | $3,741+47.3% |
| Admin fee / account holder | $3,563 | $6,053-41.1% | $9,312-61.7% | $5,306-32.8% |