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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 | $66,523 | $48,364+37.5% | $71,796-7.3% | $62,881+5.8% |
| Participation rate | 87.5% | 60.6%+26.9pp | 69.1%+18.4pp | 69.3%+18.2pp |
| Annual return | 5.26% | 13.16%-7.9pp | 78.04%-72.8pp | 20.14%-14.9pp |
| Employer contribution / active EE | $1,024 | $1,042-1.7% | $1,924-46.8% | $2,281-55.1% |
| Participant deferral / active EE | $2,502 | $2,091+19.6% | $2,794-10.5% | $3,203-21.9% |
| Admin fee / account holder | $7,141 | $3,771+89.4% | $4,815+48.3% | $4,296+66.2% |