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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 | $59,838 | $72,071-17.0% | $68,368-12.5% | $137,256-56.4% |
| Participation rate | 91.7% | 76.2%+15.4pp | 73.8%+17.9pp | 80.0%+11.7pp |
| Annual return | 15.41% | 353.14%-337.7pp | 292.57%-277.2pp | 220.34%-204.9pp |
| Employer contribution / active EE | $1,559 | $2,788-44.1% | $2,649-41.1% | $4,156-62.5% |
| Participant deferral / active EE | $9,293 | $4,410+110.7% | $4,123+125.4% | $6,407+45.1% |
| Admin fee / account holder | $8,467 | $5,336+58.7% | $5,150+64.4% | $12,270-31.0% |