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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 | $70,366-1.5% | $66,674+3.9% | $138,895-50.1% |
| Participation rate | 81.8% | 76.2%+5.6pp | 73.7%+8.1pp | 79.9%+1.9pp |
| Annual return | 17.72% | 386.41%-368.7pp | 321.24%-303.5pp | 145.39%-127.7pp |
| Employer contribution / active EE | $2,161 | $2,765-21.8% | $2,620-17.5% | $4,194-48.5% |
| Participant deferral / active EE | $3,798 | $4,374-13.2% | $4,084-7.0% | $6,396-40.6% |
| Admin fee / account holder | $5,777 | $5,262+9.8% | $5,098+13.3% | $12,562-54.0% |