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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 | $72,532 | $68,394+6.1% | $94,672-23.4% | $75,177-3.5% |
| Participation rate | 72.5% | 76.1%-3.6pp | 80.8%-8.3pp | 67.2%+5.3pp |
| Annual return | 28.08% | 616.92%-588.8pp | 156.89%-128.8pp | 160.75%-132.7pp |
| Employer contribution / active EE | $4,309 | $2,701+59.5% | $3,673+17.3% | $2,671+61.3% |
| Participant deferral / active EE | $13,589 | $6,536+107.9% | $7,417+83.2% | $4,126+229.3% |
| Admin fee / account holder | $7,244 | $5,326+36.0% | $7,222+0.3% | $5,651+28.2% |