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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 | $69,816 | $77,908-10.4% | $149,696-53.4% | $75,173-7.1% |
| Participation rate | 95.1% | 65.6%+29.5pp | 78.8%+16.3pp | 67.2%+27.9pp |
| Annual return | 20.40% | 31.73%-11.3pp | 134.46%-114.1pp | 160.72%-140.3pp |
| Employer contribution / active EE | $5,830 | $3,138+85.8% | $4,821+20.9% | $2,671+118.3% |
| Participant deferral / active EE | $4,894 | $3,411+43.5% | $5,682-13.9% | $4,126+18.6% |
| Admin fee / account holder | $4,133 | $5,950-30.5% | $13,212-68.7% | $5,651-26.9% |