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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 | $80,873 | $61,125+32.3% | $94,057-14.0% | $87,485-7.6% |
| Participation rate | 82.9% | 64.1%+18.8pp | 73.3%+9.5pp | 68.9%+13.9pp |
| Annual return | 17.35% | 35.20%-17.9pp | 480.62%-463.3pp | 26.06%-8.7pp |
| Employer contribution / active EE | $2,767 | $2,136+29.5% | $2,933-5.7% | $2,596+6.6% |
| Participant deferral / active EE | $6,047 | $3,260+85.5% | $4,709+28.4% | $4,274+41.5% |
| Admin fee / account holder | $6,595 | $5,629+17.2% | $7,244-9.0% | $7,775-15.2% |