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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 | $76,553 | $112,121-31.7% | $95,960-20.2% | $158,966-51.8% |
| Participation rate | 91.7% | 79.0%+12.7pp | 77.1%+14.6pp | 82.0%+9.7pp |
| Annual return | 12.80% | 171.16%-158.4pp | 91.63%-78.8pp | 302.95%-290.2pp |
| Employer contribution / active EE | $747 | $3,199-76.6% | $2,541-70.6% | $4,762-84.3% |
| Participant deferral / active EE | $5,546 | $4,784+15.9% | $4,167+33.1% | $5,983-7.3% |
| Admin fee / account holder | $1,266 | $10,135-87.5% | $6,797-81.4% | $11,250-88.7% |