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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 | $71,113 | $81,208-12.4% | $98,920-28.1% | $79,856-10.9% |
| Participation rate | 78.6% | 72.5%+6.1pp | 76.0%+2.5pp | 69.6%+8.9pp |
| Annual return | 14.96% | 60.99%-46.0pp | 196.47%-181.5pp | 31.71%-16.8pp |
| Employer contribution / active EE | $1,656 | $1,960-15.5% | $2,689-38.4% | $2,471-33.0% |
| Participant deferral / active EE | $2,592 | $3,265-20.6% | $4,245-38.9% | $3,741-30.7% |
| Admin fee / account holder | $6,506 | $6,013+8.2% | $6,643-2.1% | $5,306+22.6% |