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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 | $95,314 | $58,234+63.7% | $81,783+16.5% | $80,874+17.9% |
| Participation rate | 73.3% | 63.4%+9.9pp | 72.4%+1.0pp | 67.6%+5.7pp |
| Annual return | 14.02% | 41.70%-27.7pp | 775.05%-761.0pp | 35.62%-21.6pp |
| Employer contribution / active EE | $2,774 | $2,341+18.5% | $2,913-4.8% | $2,756+0.7% |
| Participant deferral / active EE | $4,904 | $3,283+49.4% | $4,320+13.5% | $4,297+14.1% |
| Admin fee / account holder | $2,658 | $4,982-46.7% | $7,380-64.0% | $6,935-61.7% |