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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 | $76,350 | $67,823+12.6% | $52,425+45.6% | $137,256-44.4% |
| Participation rate | 72.7% | 63.9%+8.8pp | 55.6%+17.1pp | 80.0%-7.2pp |
| Annual return | 17.01% | 219.11%-202.1pp | 302.12%-285.1pp | 220.34%-203.3pp |
| Employer contribution / active EE | $752 | $1,163-35.3% | $914-17.7% | $4,156-81.9% |
| Participant deferral / active EE | $3,926 | $2,288+71.6% | $1,790+119.3% | $6,407-38.7% |
| Admin fee / account holder | $308 | $2,844-89.2% | $2,495-87.7% | $12,270-97.5% |