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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 | $69,529 | $111,535-37.7% | $105,223-33.9% | $137,256-49.3% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 14.50% | 237.85%-223.3pp | 180.65%-166.1pp | 220.34%-205.8pp |
| Employer contribution / active EE | $7,623 | $3,939+93.5% | $3,689+106.7% | $4,156+83.4% |
| Participant deferral / active EE | $5,742 | $5,500+4.4% | $5,072+13.2% | $6,407-10.4% |
| Admin fee / account holder | $8,147 | $9,721-16.2% | $8,859-8.0% | $12,270-33.6% |