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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 | $74,107 | $51,638+43.5% | $68,368+8.4% | $82,448-10.1% |
| Participation rate | 84.4% | 63.6%+20.8pp | 73.8%+10.7pp | 68.1%+16.4pp |
| Annual return | 19.08% | 37.53%-18.5pp | 292.57%-273.5pp | 41.64%-22.6pp |
| Employer contribution / active EE | $2,721 | $2,047+33.0% | $2,649+2.7% | $2,551+6.7% |
| Participant deferral / active EE | $5,972 | $2,914+105.0% | $4,123+44.9% | $4,139+44.3% |
| Admin fee / account holder | $3,634 | $4,643-21.7% | $5,150-29.4% | $7,234-49.8% |