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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 | $58,234 | $56,134+3.7% | $96,192-39.5% | $85,851-32.2% |
| Participation rate | 93.2% | 56.7%+36.5pp | 68.4%+24.7pp | 69.3%+23.9pp |
| Annual return | 12.28% | 42.30%-30.0pp | 192.09%-179.8pp | 318.63%-306.4pp |
| Employer contribution / active EE | $3,418 | $1,620+110.9% | $2,799+22.1% | $2,565+33.2% |
| Participant deferral / active EE | $5,588 | $2,858+95.6% | $4,351+28.4% | $3,952+41.4% |
| Admin fee / account holder | $8,906 | $3,769+136.3% | $5,539+60.8% | $6,261+42.2% |