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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 | $56,054 | $89,367-37.3% | $141,191-60.3% | $72,975-23.2% |
| Participation rate | 94.6% | 75.1%+19.5pp | 82.5%+12.2pp | 69.5%+25.2pp |
| Annual return | 23.28% | 111.87%-88.6pp | 71.41%-48.1pp | 81.01%-57.7pp |
| Employer contribution / active EE | $3,453 | $3,115+10.9% | $4,736-27.1% | $2,440+41.5% |
| Participant deferral / active EE | $7,848 | $5,419+44.8% | $6,710+17.0% | $3,608+117.5% |
| Admin fee / account holder | $3,343 | $5,957-43.9% | $10,264-67.4% | $5,124-34.8% |