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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 | $86,976 | $85,171+2.1% | $172,752-49.7% | $72,975+19.2% |
| Participation rate | 91.8% | 70.1%+21.7pp | 82.6%+9.2pp | 69.5%+22.3pp |
| Annual return | 16.36% | 27.32%-11.0pp | 802.97%-786.6pp | 81.01%-64.6pp |
| Employer contribution / active EE | $4,807 | $3,324+44.6% | $5,144-6.6% | $2,440+97.0% |
| Participant deferral / active EE | $4,191 | $3,260+28.6% | $5,198-19.4% | $3,608+16.2% |
| Admin fee / account holder | $978 | $5,880-83.4% | $13,955-93.0% | $5,124-80.9% |