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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 | $79,867 | $58,311+37.0% | $81,882-2.5% | $80,959-1.3% |
| Participation rate | 77.8% | 63.5%+14.3pp | 72.4%+5.4pp | 67.7%+10.1pp |
| Annual return | 14.18% | 41.85%-27.7pp | 779.47%-765.3pp | 35.67%-21.5pp |
| Employer contribution / active EE | $3,903 | $2,347+66.3% | $2,916+33.8% | $2,757+41.5% |
| Participant deferral / active EE | $4,605 | $3,287+40.1% | $4,323+6.5% | $4,300+7.1% |
| Admin fee / account holder | $2,488 | $4,752-47.6% | $7,360-66.2% | $6,925-64.1% |