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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 | $29,664 | $162,812-81.8% | $133,971-77.9% | $158,966-81.3% |
| Participation rate | 95.2% | 83.2%+12.0pp | 79.8%+15.4pp | 82.0%+13.3pp |
| Annual return | 27.07% | 41.94%-14.9pp | 45.09%-18.0pp | 302.95%-275.9pp |
| Employer contribution / active EE | $6,365 | $4,976+27.9% | $3,919+62.4% | $4,762+33.6% |
| Participant deferral / active EE | $7,976 | $5,910+34.9% | $5,047+58.0% | $5,983+33.3% |
| Admin fee / account holder | $5,319 | $11,741-54.7% | $8,929-40.4% | $11,250-52.7% |