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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 | $26,648 | $112,121-76.2% | $95,960-72.2% | $158,966-83.2% |
| Participation rate | 87.5% | 79.0%+8.5pp | 77.1%+10.4pp | 82.0%+5.5pp |
| Annual return | 18.85% | 171.16%-152.3pp | 91.63%-72.8pp | 302.95%-284.1pp |
| Employer contribution / active EE | $3,654 | $3,199+14.2% | $2,541+43.8% | $4,762-23.3% |
| Participant deferral / active EE | $6,520 | $4,784+36.3% | $4,167+56.5% | $5,983+9.0% |
| Admin fee / account holder | $1,506 | $10,135-85.1% | $6,797-77.8% | $11,250-86.6% |