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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 | $57,525 | $129,737-55.7% | $119,126-51.7% | $154,746-62.8% |
| Participation rate | 86.4% | 78.9%+7.5pp | 75.8%+10.6pp | 80.7%+5.7pp |
| Annual return | 17.93% | 379.08%-361.2pp | 282.11%-264.2pp | 172.34%-154.4pp |
| Employer contribution / active EE | $2,054 | $4,375-53.1% | $4,034-49.1% | $4,379-53.1% |
| Participant deferral / active EE | $6,128 | $5,842+4.9% | $5,318+15.2% | $6,730-8.9% |
| Admin fee / account holder | $4,721 | $11,961-60.5% | $10,693-55.9% | $14,365-67.1% |