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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 | $72,799 | $78,425-7.2% | $95,954-24.1% | $79,860-8.8% |
| Participation rate | 98.5% | 73.5%+25.0pp | 77.1%+21.4pp | 69.6%+28.8pp |
| Annual return | 19.16% | 19.37%-0.2pp | 91.62%-72.5pp | 31.72%-12.6pp |
| Employer contribution / active EE | $5,341 | $1,945+174.5% | $2,541+110.2% | $2,471+116.1% |
| Participant deferral / active EE | $6,958 | $3,440+102.3% | $4,167+67.0% | $3,740+86.0% |
| Admin fee / account holder | $1,231 | $5,622-78.1% | $6,796-81.9% | $5,306-76.8% |