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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 | $66,309 | $102,385-35.2% | $147,080-54.9% | $80,935-18.1% |
| Participation rate | 85.7% | 75.9%+9.8pp | 82.2%+3.5pp | 67.7%+18.1pp |
| Annual return | 16.88% | 135.09%-118.2pp | 420.17%-403.3pp | 35.66%-18.8pp |
| Employer contribution / active EE | $4,044 | $3,717+8.8% | $4,933-18.0% | $2,757+46.7% |
| Participant deferral / active EE | $8,406 | $6,651+26.4% | $8,066+4.2% | $4,299+95.5% |
| Admin fee / account holder | $2,505 | $7,951-68.5% | $12,989-80.7% | $6,924-63.8% |