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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 | $58,241+34.5% | $81,780-4.2% | $80,911-3.2% |
| Participation rate | 75.8% | 63.4%+12.3pp | 72.4%+3.4pp | 67.6%+8.1pp |
| Annual return | 14.53% | 41.73%-27.2pp | 776.27%-761.7pp | 35.63%-21.1pp |
| Employer contribution / active EE | $6,092 | $2,343+160.0% | $2,914+109.1% | $2,756+121.1% |
| Participant deferral / active EE | $7,404 | $3,283+125.6% | $4,321+71.4% | $4,297+72.3% |
| Admin fee / account holder | $3,977 | $4,973-20.0% | $7,384-46.1% | $6,935-42.7% |