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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 | $72,358 | $109,908-34.2% | $97,161-25.5% | $145,978-50.4% |
| Participation rate | 85.7% | 75.9%+9.8pp | 72.7%+13.0pp | 80.3%+5.4pp |
| Annual return | 20.37% | 243.80%-223.4pp | 75.36%-55.0pp | 550.52%-530.1pp |
| Employer contribution / active EE | $1,771 | $3,077-42.4% | $2,723-35.0% | $4,662-62.0% |
| Participant deferral / active EE | $6,412 | $4,679+37.0% | $4,265+50.3% | $6,690-4.2% |
| Admin fee / account holder | $1,494 | $6,213-75.9% | $5,647-73.5% | $13,400-88.8% |