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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 | $76,297 | $176,120-56.7% | $159,487-52.2% | $167,553-54.5% |
| Participation rate | 90.0% | 85.0%+5.0pp | 82.8%+7.2pp | 82.1%+7.9pp |
| Annual return | 19.53% | 331.95%-312.4pp | 263.71%-244.2pp | 478.89%-459.4pp |
| Employer contribution / active EE | $2,883 | $5,299-45.6% | $4,831-40.3% | $4,840-40.4% |
| Participant deferral / active EE | $6,610 | $7,752-14.7% | $7,354-10.1% | $6,343+4.2% |
| Admin fee / account holder | $3,897 | $12,561-69.0% | $10,804-63.9% | $12,316-68.4% |