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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 | $68,639 | $65,555+4.7% | $86,216-20.4% | $75,173-8.7% |
| Participation rate | 88.0% | 60.5%+27.5pp | 69.0%+19.0pp | 67.2%+20.8pp |
| Annual return | 16.90% | 46.07%-29.2pp | 1169.42%-1152.5pp | 160.72%-143.8pp |
| Employer contribution / active EE | $1,363 | $1,553-12.3% | $2,382-42.8% | $2,671-49.0% |
| Participant deferral / active EE | $4,089 | $3,023+35.3% | $3,986+2.6% | $4,126-0.9% |
| Admin fee / account holder | $9,804 | $5,469+79.3% | $6,853+43.1% | $5,651+73.5% |