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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 | $45,164 | $58,099-22.3% | $76,902-41.3% | $75,177-39.9% |
| Participation rate | 97.6% | 63.9%+33.7pp | 69.6%+28.0pp | 67.2%+30.4pp |
| Annual return | 20.65% | 26.71%-6.1pp | 37.91%-17.3pp | 160.75%-140.1pp |
| Employer contribution / active EE | $4,655 | $1,996+133.3% | $2,534+83.7% | $2,671+74.3% |
| Participant deferral / active EE | $6,079 | $2,999+102.7% | $3,833+58.6% | $4,126+47.3% |
| Admin fee / account holder | $720 | $4,778-84.9% | $5,479-86.9% | $5,651-87.3% |