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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 | $78,262 | $98,760-20.8% | $149,715-47.7% | $79,858-2.0% |
| Participation rate | 78.0% | 75.8%+2.3pp | 82.5%-4.4pp | 69.6%+8.4pp |
| Annual return | 13.37% | 27.43%-14.1pp | 276.66%-263.3pp | 31.72%-18.3pp |
| Employer contribution / active EE | $5,557 | $3,217+72.7% | $4,645+19.6% | $2,471+124.9% |
| Participant deferral / active EE | $4,083 | $5,681-28.1% | $6,842-40.3% | $3,740+9.2% |
| Admin fee / account holder | $2,737 | $6,053-54.8% | $9,310-70.6% | $5,306-48.4% |