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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 | $51,638+56.6% | $68,368+18.3% | $82,448-1.9% |
| Participation rate | 82.9% | 63.6%+19.2pp | 73.8%+9.1pp | 68.1%+14.8pp |
| Annual return | 17.35% | 37.53%-20.2pp | 292.57%-275.2pp | 41.64%-24.3pp |
| Employer contribution / active EE | $2,767 | $2,047+35.2% | $2,649+4.5% | $2,551+8.5% |
| Participant deferral / active EE | $6,047 | $2,914+107.6% | $4,123+46.7% | $4,139+46.1% |
| Admin fee / account holder | $6,595 | $4,643+42.0% | $5,150+28.1% | $7,234-8.8% |