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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 | $85,129 | $93,345-8.8% | $119,126-28.5% | $87,485-2.7% |
| Participation rate | 76.3% | 68.7%+7.6pp | 75.8%+0.6pp | 68.9%+7.4pp |
| Annual return | 41.39% | 19.08%+22.3pp | 282.11%-240.7pp | 26.06%+15.3pp |
| Employer contribution / active EE | $1,866 | $3,172-41.2% | $4,034-53.7% | $2,596-28.1% |
| Participant deferral / active EE | $7,948 | $4,099+93.9% | $5,318+49.5% | $4,274+86.0% |
| Admin fee / account holder | $5,543 | $8,039-31.1% | $10,693-48.2% | $7,775-28.7% |