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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 | $54,838 | $53,837+1.9% | $75,714-27.6% | $85,847-36.1% |
| Participation rate | 78.9% | 69.1%+9.9pp | 74.8%+4.1pp | 69.3%+9.6pp |
| Annual return | 31.99% | 24.54%+7.4pp | 104.62%-72.6pp | 318.61%-286.6pp |
| Employer contribution / active EE | $2,168 | $2,017+7.5% | $2,744-21.0% | $2,565-15.5% |
| Participant deferral / active EE | $6,618 | $2,895+128.6% | $3,820+73.2% | $3,952+67.4% |
| Admin fee / account holder | $1,260 | $3,339-62.3% | $3,619-65.2% | $6,261-79.9% |