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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 | $75,622 | $63,346+19.4% | $92,240-18.0% | $70,126+7.8% |
| Participation rate | 83.3% | 68.7%+14.7pp | 76.5%+6.9pp | 69.5%+13.8pp |
| Annual return | 18.15% | 530.19%-512.0pp | 176.29%-158.1pp | 73.15%-55.0pp |
| Employer contribution / active EE | $1,632 | $2,471-34.0% | $3,680-55.6% | $2,343-30.3% |
| Participant deferral / active EE | $2,884 | $2,854+1.1% | $3,897-26.0% | $3,332-13.4% |
| Admin fee / account holder | $1,566 | $3,841-59.2% | $5,194-69.8% | $4,645-66.3% |