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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 | $75,218 | $105,210-28.5% | $159,487-52.8% | $85,851-12.4% |
| Participation rate | 75.5% | 75.8%-0.3pp | 82.8%-7.3pp | 69.3%+6.2pp |
| Annual return | 15.07% | 45.08%-30.0pp | 263.71%-248.6pp | 318.63%-303.6pp |
| Employer contribution / active EE | $2,893 | $3,319-12.8% | $4,831-40.1% | $2,565+12.8% |
| Participant deferral / active EE | $6,838 | $5,946+15.0% | $7,354-7.0% | $3,952+73.0% |
| Admin fee / account holder | $6,572 | $6,934-5.2% | $10,804-39.2% | $6,261+5.0% |