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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 | $75,349 | $85,766-12.1% | $136,297-44.7% | $70,131+7.4% |
| Participation rate | 93.4% | 74.2%+19.3pp | 81.9%+11.5pp | 69.5%+23.9pp |
| Annual return | 15.76% | 31.45%-15.7pp | 5156.16%-5140.4pp | 73.14%-57.4pp |
| Employer contribution / active EE | $2,412 | $2,966-18.7% | $4,696-48.6% | $2,342+3.0% |
| Participant deferral / active EE | $6,462 | $5,051+27.9% | $6,247+3.4% | $3,332+93.9% |
| Admin fee / account holder | $1,824 | $5,420-66.4% | $9,244-80.3% | $4,645-60.7% |