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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 | $85,171-27.7% | $172,753-64.4% | $72,976-15.6% |
| Participation rate | 98.5% | 70.1%+28.5pp | 82.6%+15.9pp | 69.5%+29.0pp |
| Annual return | 29.45% | 27.32%+2.1pp | 803.00%-773.6pp | 81.02%-51.6pp |
| Employer contribution / active EE | $3,370 | $3,324+1.4% | $5,144-34.5% | $2,440+38.1% |
| Participant deferral / active EE | $3,823 | $3,260+17.3% | $5,198-26.5% | $3,608+6.0% |
| Admin fee / account holder | $3,063 | $5,880-47.9% | $13,956-78.1% | $5,124-40.2% |