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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 | $68,525 | $100,139-31.6% | $85,187-19.6% | $145,884-53.0% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 19.78% | 84.15%-64.4pp | 66.67%-46.9pp | 551.85%-532.1pp |
| Employer contribution / active EE | $3,776 | $3,238+16.6% | $2,732+38.2% | $4,662-19.0% |
| Participant deferral / active EE | $6,662 | $5,296+25.8% | $4,525+47.2% | $6,690-0.4% |
| Admin fee / account holder | $5,833 | $7,262-19.7% | $6,162-5.3% | $13,392-56.4% |