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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 | $69,283 | $72,071-3.9% | $68,368+1.3% | $137,256-49.5% |
| Participation rate | 81.8% | 76.2%+5.6pp | 73.8%+8.1pp | 80.0%+1.9pp |
| Annual return | 17.72% | 353.14%-335.4pp | 292.57%-274.9pp | 220.34%-202.6pp |
| Employer contribution / active EE | $2,161 | $2,788-22.5% | $2,649-18.4% | $4,156-48.0% |
| Participant deferral / active EE | $3,798 | $4,410-13.9% | $4,123-7.9% | $6,407-40.7% |
| Admin fee / account holder | $5,777 | $5,336+8.3% | $5,150+12.2% | $12,270-52.9% |