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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 | $64,912 | $105,210-38.3% | $159,487-59.3% | $85,851-24.4% |
| Participation rate | 88.5% | 75.8%+12.7pp | 82.8%+5.6pp | 69.3%+19.1pp |
| Annual return | 32.20% | 45.08%-12.9pp | 263.71%-231.5pp | 318.63%-286.4pp |
| Employer contribution / active EE | $2,396 | $3,319-27.8% | $4,831-50.4% | $2,565-6.6% |
| Participant deferral / active EE | $3,850 | $5,946-35.3% | $7,354-47.6% | $3,952-2.6% |
| Admin fee / account holder | $5,364 | $6,934-22.6% | $10,804-50.3% | $6,261-14.3% |