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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 | $74,145 | $125,190-40.8% | $105,624-29.8% | $145,897-49.2% |
| Participation rate | 93.3% | 77.6%+15.7pp | 75.3%+18.1pp | 80.3%+13.0pp |
| Annual return | 14.18% | 225.22%-211.0pp | 116.20%-102.0pp | 552.29%-538.1pp |
| Employer contribution / active EE | $1,406 | $3,720-62.2% | $3,168-55.6% | $4,663-69.8% |
| Participant deferral / active EE | $5,538 | $5,716-3.1% | $5,013+10.5% | $6,689-17.2% |
| Admin fee / account holder | $14,977 | $17,138-12.6% | $10,961+36.6% | $13,390+11.8% |