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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 | $75,943 | $107,944-29.6% | $91,994-17.4% | $152,885-50.3% |
| Participation rate | 84.2% | 81.2%+3.0pp | 78.6%+5.6pp | 82.5%+1.8pp |
| Annual return | 24.63% | 89.26%-64.6pp | 69.03%-44.4pp | 345.39%-320.8pp |
| Employer contribution / active EE | $3,032 | $4,210-28.0% | $3,452-12.2% | $4,763-36.3% |
| Participant deferral / active EE | $10,967 | $6,365+72.3% | $5,923+85.1% | $5,851+87.4% |
| Admin fee / account holder | $788 | $10,521-92.5% | $7,743-89.8% | $11,598-93.2% |