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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 | $53,513 | $78,682-32.0% | $109,188-51.0% | $85,851-37.7% |
| Participation rate | 95.5% | 68.3%+27.2pp | 75.9%+19.6pp | 69.3%+26.1pp |
| Annual return | 24.00% | 25.09%-1.1pp | 25.76%-1.8pp | 318.63%-294.6pp |
| Employer contribution / active EE | $5,686 | $2,734+108.0% | $3,723+52.7% | $2,565+121.7% |
| Participant deferral / active EE | $5,071 | $3,468+46.2% | $4,654+9.0% | $3,952+28.3% |
| Admin fee / account holder | $2,554 | $5,470-53.3% | $6,755-62.2% | $6,261-59.2% |