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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 | $85,307 | $91,198-6.5% | $178,503-52.2% | $79,856+6.8% |
| Participation rate | 98.1% | 69.2%+28.9pp | 81.9%+16.2pp | 69.6%+28.5pp |
| Annual return | 27.01% | 24.20%+2.8pp | 151.12%-124.1pp | 31.71%-4.7pp |
| Employer contribution / active EE | $6,266 | $3,257+92.4% | $5,011+25.0% | $2,471+153.6% |
| Participant deferral / active EE | $8,071 | $3,237+149.4% | $5,202+55.1% | $3,741+115.8% |
| Admin fee / account holder | $1,706 | $6,748-74.7% | $13,987-87.8% | $5,306-67.8% |