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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 | $63,867 | $61,125+4.5% | $94,057-32.1% | $87,485-27.0% |
| Participation rate | 82.9% | 64.1%+18.8pp | 73.3%+9.5pp | 68.9%+13.9pp |
| Annual return | 16.94% | 35.20%-18.3pp | 480.62%-463.7pp | 26.06%-9.1pp |
| Employer contribution / active EE | $3,670 | $2,136+71.8% | $2,933+25.1% | $2,596+41.4% |
| Participant deferral / active EE | $5,077 | $3,260+55.7% | $4,709+7.8% | $4,274+18.8% |
| Admin fee / account holder | $462 | $5,629-91.8% | $7,244-93.6% | $7,775-94.1% |