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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 | $63,119 | $152,612-58.6% | $125,192-49.6% | $152,897-58.7% |
| Participation rate | 93.8% | 83.3%+10.4pp | 79.8%+14.0pp | 82.5%+11.3pp |
| Annual return | 21.17% | 54.85%-33.7pp | 43.79%-22.6pp | 345.43%-324.3pp |
| Employer contribution / active EE | $2,566 | $4,947-48.1% | $3,866-33.6% | $4,764-46.1% |
| Participant deferral / active EE | $6,174 | $5,868+5.2% | $4,937+25.0% | $5,851+5.5% |
| Admin fee / account holder | $1,089 | $13,437-91.9% | $9,704-88.8% | $11,599-90.6% |