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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 | $71,725 | $49,896+43.7% | $80,627-11.0% | $75,173-4.6% |
| Participation rate | 79.6% | 55.3%+24.3pp | 67.0%+12.6pp | 67.2%+12.4pp |
| Annual return | 20.45% | 34.67%-14.2pp | 936.76%-916.3pp | 160.72%-140.3pp |
| Employer contribution / active EE | $2,697 | $1,699+58.7% | $2,723-1.0% | $2,671+1.0% |
| Participant deferral / active EE | $5,392 | $2,992+80.2% | $4,443+21.4% | $4,126+30.7% |
| Admin fee / account holder | $3,144 | $3,578-12.1% | $5,381-41.6% | $5,651-44.4% |