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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 | $70,366-15.0% | $66,674-10.3% | $138,895-56.9% |
| Participation rate | 91.7% | 76.2%+15.5pp | 73.7%+18.0pp | 79.9%+11.7pp |
| Annual return | 15.41% | 386.41%-371.0pp | 321.24%-305.8pp | 145.39%-130.0pp |
| Employer contribution / active EE | $1,559 | $2,765-43.6% | $2,620-40.5% | $4,194-62.8% |
| Participant deferral / active EE | $9,293 | $4,374+112.5% | $4,084+127.5% | $6,396+45.3% |
| Admin fee / account holder | $8,467 | $5,262+60.9% | $5,098+66.1% | $12,562-32.6% |