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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 | $71,122 | $63,346+12.3% | $92,240-22.9% | $70,126+1.4% |
| Participation rate | 89.7% | 68.7%+21.0pp | 76.5%+13.2pp | 69.5%+20.1pp |
| Annual return | 20.71% | 530.19%-509.5pp | 176.29%-155.6pp | 73.15%-52.4pp |
| Employer contribution / active EE | $3,706 | $2,471+50.0% | $3,680+0.7% | $2,343+58.2% |
| Participant deferral / active EE | $7,131 | $2,854+149.9% | $3,897+83.0% | $3,332+114.0% |
| Admin fee / account holder | $1,097 | $3,841-71.4% | $5,194-78.9% | $4,645-76.4% |