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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 | $68,915 | $105,210-34.5% | $159,487-56.8% | $85,851-19.7% |
| Participation rate | 86.5% | 75.8%+10.7pp | 82.8%+3.7pp | 69.3%+17.2pp |
| Annual return | 15.51% | 45.08%-29.6pp | 263.71%-248.2pp | 318.63%-303.1pp |
| Employer contribution / active EE | $3,184 | $3,319-4.1% | $4,831-34.1% | $2,565+24.1% |
| Participant deferral / active EE | $8,308 | $5,946+39.7% | $7,354+13.0% | $3,952+110.2% |
| Admin fee / account holder | $3,167 | $6,934-54.3% | $10,804-70.7% | $6,261-49.4% |