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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 | $63,968 | $63,346+1.0% | $92,240-30.7% | $70,126-8.8% |
| Participation rate | 92.6% | 68.7%+23.9pp | 76.5%+16.1pp | 69.5%+23.1pp |
| Annual return | 19.58% | 530.19%-510.6pp | 176.29%-156.7pp | 73.15%-53.6pp |
| Employer contribution / active EE | $1,829 | $2,471-26.0% | $3,680-50.3% | $2,343-21.9% |
| Participant deferral / active EE | $5,513 | $2,854+93.2% | $3,897+41.5% | $3,332+65.5% |
| Admin fee / account holder | $947 | $3,841-75.3% | $5,194-81.8% | $4,645-79.6% |