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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 | $56,259 | $91,559-38.6% | $133,978-58.0% | $79,856-29.5% |
| Participation rate | 97.8% | 73.3%+24.4pp | 79.8%+17.9pp | 69.6%+28.1pp |
| Annual return | 15.63% | 61.85%-46.2pp | 45.10%-29.5pp | 31.71%-16.1pp |
| Employer contribution / active EE | $2,653 | $2,384+11.3% | $3,919-32.3% | $2,471+7.4% |
| Participant deferral / active EE | $4,932 | $3,734+32.1% | $5,047-2.3% | $3,741+31.9% |
| Admin fee / account holder | $963 | $6,321-84.8% | $8,930-89.2% | $5,306-81.9% |