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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 | $60,975 | $70,684-13.7% | $169,397-64.0% | $75,177-18.9% |
| Participation rate | 88.5% | 64.8%+23.7pp | 77.2%+11.3pp | 67.2%+21.3pp |
| Annual return | 22.47% | 36.38%-13.9pp | 406.23%-383.8pp | 160.75%-138.3pp |
| Employer contribution / active EE | $3,940 | $2,211+78.2% | $4,013-1.8% | $2,671+47.5% |
| Participant deferral / active EE | $4,857 | $4,310+12.7% | $6,223-21.9% | $4,126+17.7% |
| Admin fee / account holder | $4,493 | $5,404-16.9% | $9,017-50.2% | $5,651-20.5% |