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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 | $51,644 | $91,559-43.6% | $133,978-61.5% | $79,856-35.3% |
| Participation rate | 97.0% | 73.3%+23.6pp | 79.8%+17.1pp | 69.6%+27.3pp |
| Annual return | 22.67% | 61.85%-39.2pp | 45.10%-22.4pp | 31.71%-9.0pp |
| Employer contribution / active EE | $5,411 | $2,384+127.0% | $3,919+38.1% | $2,471+119.0% |
| Participant deferral / active EE | $15,475 | $3,734+314.5% | $5,047+206.6% | $3,741+313.7% |
| Admin fee / account holder | $8,806 | $6,321+39.3% | $8,930-1.4% | $5,306+66.0% |