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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 | $77,632 | $70,366+10.3% | $66,674+16.4% | $138,895-44.1% |
| Participation rate | 95.2% | 76.2%+19.1pp | 73.7%+21.6pp | 79.9%+15.3pp |
| Annual return | 16.18% | 386.41%-370.2pp | 321.24%-305.1pp | 145.39%-129.2pp |
| Employer contribution / active EE | $3,875 | $2,765+40.1% | $2,620+47.9% | $4,194-7.6% |
| Participant deferral / active EE | $6,312 | $4,374+44.3% | $4,084+54.5% | $6,396-1.3% |
| Admin fee / account holder | $4,166 | $5,262-20.8% | $5,098-18.3% | $12,562-66.8% |