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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 | $29,574 | $105,198-71.9% | $159,455-81.5% | $85,856-65.6% |
| Participation rate | 96.7% | 75.8%+20.9pp | 82.8%+13.9pp | 69.3%+27.4pp |
| Annual return | 23.11% | 45.08%-22.0pp | 263.63%-240.5pp | 318.58%-295.5pp |
| Employer contribution / active EE | $4,563 | $3,319+37.5% | $4,830-5.5% | $2,565+77.9% |
| Participant deferral / active EE | $5,210 | $5,946-12.4% | $7,353-29.2% | $3,952+31.8% |
| Admin fee / account holder | $1,182 | $6,934-83.0% | $10,800-89.1% | $6,261-81.1% |