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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 | $61,556 | $85,206-27.8% | $172,745-64.4% | $72,986-15.7% |
| Participation rate | 98.5% | 70.1%+28.5pp | 82.6%+15.9pp | 69.5%+29.0pp |
| Annual return | 29.45% | 27.32%+2.1pp | 802.90%-773.4pp | 81.01%-51.6pp |
| Employer contribution / active EE | $3,370 | $3,325+1.4% | $5,144-34.5% | $2,440+38.1% |
| Participant deferral / active EE | $3,823 | $3,260+17.3% | $5,197-26.4% | $3,607+6.0% |
| Admin fee / account holder | $3,063 | $5,883-47.9% | $13,954-78.0% | $5,124-40.2% |