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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 | $60,711 | $102,638-40.8% | $81,991-26.0% | $158,966-61.8% |
| Participation rate | 87.5% | 75.5%+12.0pp | 69.3%+18.2pp | 82.0%+5.5pp |
| Annual return | 21.63% | 61.05%-39.4pp | 41.31%-19.7pp | 302.95%-281.3pp |
| Employer contribution / active EE | $3,700 | $3,241+14.2% | $2,498+48.1% | $4,762-22.3% |
| Participant deferral / active EE | $6,271 | $4,649+34.9% | $3,722+68.5% | $5,983+4.8% |
| Admin fee / account holder | $3,079 | $8,237-62.6% | $5,665-45.6% | $11,250-72.6% |