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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 | $63,116 | $209,405-69.9% | $178,486-64.6% | $158,931-60.3% |
| Participation rate | 92.3% | 86.4%+6.0pp | 81.9%+10.4pp | 82.0%+10.3pp |
| Annual return | 13.12% | 188.77%-175.7pp | 151.08%-138.0pp | 302.86%-289.7pp |
| Employer contribution / active EE | $1,595 | $5,707-72.1% | $5,011-68.2% | $4,761-66.5% |
| Participant deferral / active EE | $4,200 | $5,954-29.5% | $5,202-19.3% | $5,982-29.8% |
| Admin fee / account holder | $2,280 | $17,076-86.6% | $13,985-83.7% | $11,247-79.7% |