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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 | $61,038 | $98,766-38.2% | $149,730-59.2% | $79,852-23.6% |
| Participation rate | 98.0% | 75.8%+22.2pp | 82.5%+15.5pp | 69.6%+28.4pp |
| Annual return | 19.11% | 27.43%-8.3pp | 276.70%-257.6pp | 31.72%-12.6pp |
| Employer contribution / active EE | $2,430 | $3,217-24.5% | $4,645-47.7% | $2,471-1.7% |
| Participant deferral / active EE | $8,099 | $5,681+42.6% | $6,843+18.4% | $3,740+116.5% |
| Admin fee / account holder | $6,690 | $6,052+10.5% | $9,310-28.1% | $5,306+26.1% |