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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 | $58,193 | $99,921-41.8% | $85,009-31.5% | $145,959-60.1% |
| Participation rate | 88.2% | 74.1%+14.1pp | 67.5%+20.7pp | 80.3%+8.0pp |
| Annual return | 11.84% | 83.89%-72.0pp | 66.47%-54.6pp | 561.95%-550.1pp |
| Employer contribution / active EE | $3,964 | $3,233+22.6% | $2,728+45.3% | $4,661-15.0% |
| Participant deferral / active EE | $6,960 | $5,293+31.5% | $4,522+53.9% | $6,689+4.1% |
| Admin fee / account holder | $6,897 | $7,252-4.9% | $6,153+12.1% | $13,398-48.5% |