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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 | $70,518 | $110,039-35.9% | $97,260-27.5% | $145,884-51.7% |
| Participation rate | 87.5% | 75.9%+11.6pp | 72.7%+14.8pp | 80.3%+7.2pp |
| Annual return | 16.73% | 244.44%-227.7pp | 75.54%-58.8pp | 551.85%-535.1pp |
| Employer contribution / active EE | $4,657 | $3,074+51.5% | $2,721+71.1% | $4,662-0.1% |
| Participant deferral / active EE | $6,442 | $4,674+37.8% | $4,262+51.2% | $6,690-3.7% |
| Admin fee / account holder | $971 | $6,204-84.3% | $5,640-82.8% | $13,392-92.8% |