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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 | $137,873 | $85,171+61.9% | $172,753-20.2% | $72,976+88.9% |
| Participation rate | 93.9% | 70.1%+23.9pp | 82.6%+11.3pp | 69.5%+24.5pp |
| Annual return | 18.48% | 27.32%-8.8pp | 803.00%-784.5pp | 81.02%-62.5pp |
| Employer contribution / active EE | $4,475 | $3,324+34.6% | $5,144-13.0% | $2,440+83.4% |
| Participant deferral / active EE | $3,868 | $3,260+18.7% | $5,198-25.6% | $3,608+7.2% |
| Admin fee / account holder | $4,535 | $5,880-22.9% | $13,956-67.5% | $5,124-11.5% |