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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 | $73,893 | $165,361-55.3% | $149,715-50.6% | $158,950-53.5% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 17.89% | 348.24%-330.3pp | 276.66%-258.8pp | 302.91%-285.0pp |
| Employer contribution / active EE | $8,007 | $5,103+56.9% | $4,645+72.4% | $4,762+68.1% |
| Participant deferral / active EE | $12,859 | $7,182+79.1% | $6,842+87.9% | $5,983+114.9% |
| Admin fee / account holder | $29,729 | $10,808+175.1% | $9,310+219.3% | $11,248+164.3% |