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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 | $67,697 | $85,766-21.1% | $136,298-50.3% | $70,126-3.5% |
| Participation rate | 94.7% | 74.2%+20.6pp | 81.9%+12.8pp | 69.5%+25.2pp |
| Annual return | 15.48% | 31.46%-16.0pp | 5156.27%-5140.8pp | 73.15%-57.7pp |
| Employer contribution / active EE | $3,263 | $2,966+10.0% | $4,696-30.5% | $2,343+39.3% |
| Participant deferral / active EE | $3,491 | $5,051-30.9% | $6,247-44.1% | $3,332+4.8% |
| Admin fee / account holder | $4,374 | $5,421-19.3% | $9,244-52.7% | $4,645-5.9% |