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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 | $78,313 | $58,311+34.3% | $81,882-4.4% | $80,959-3.3% |
| Participation rate | 75.8% | 63.5%+12.3pp | 72.4%+3.4pp | 67.7%+8.1pp |
| Annual return | 14.53% | 41.85%-27.3pp | 779.47%-764.9pp | 35.67%-21.1pp |
| Employer contribution / active EE | $6,092 | $2,347+159.6% | $2,916+108.9% | $2,757+121.0% |
| Participant deferral / active EE | $7,404 | $3,287+125.2% | $4,323+71.3% | $4,300+72.2% |
| Admin fee / account holder | $3,977 | $4,752-16.3% | $7,360-46.0% | $6,925-42.6% |