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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 | $67,033 | $103,008-34.9% | $90,304-25.8% | $152,897-56.2% |
| Participation rate | 88.9% | 75.9%+13.0pp | 73.3%+15.6pp | 82.5%+6.4pp |
| Annual return | 17.94% | 95.22%-77.3pp | 78.13%-60.2pp | 345.43%-327.5pp |
| Employer contribution / active EE | $3,584 | $3,139+14.2% | $2,855+25.5% | $4,764-24.8% |
| Participant deferral / active EE | $10,499 | $4,281+145.2% | $3,885+170.2% | $5,851+79.4% |
| Admin fee / account holder | $12,475 | $6,175+102.0% | $5,354+133.0% | $11,599+7.5% |