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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 | $74,377 | $105,200-29.3% | $159,474-53.4% | $85,847-13.4% |
| Participation rate | 87.8% | 75.8%+12.0pp | 82.8%+4.9pp | 69.3%+18.4pp |
| Annual return | 20.99% | 45.08%-24.1pp | 263.68%-242.7pp | 318.61%-297.6pp |
| Employer contribution / active EE | $2,777 | $3,319-16.3% | $4,831-42.5% | $2,565+8.3% |
| Participant deferral / active EE | $5,579 | $5,946-6.2% | $7,353-24.1% | $3,952+41.2% |
| Admin fee / account holder | $1,329 | $6,934-80.8% | $10,802-87.7% | $6,261-78.8% |