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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 | $76,452 | $121,701-37.2% | $104,639-26.9% | $158,982-51.9% |
| Participation rate | 81.8% | 77.5%+4.3pp | 74.1%+7.7pp | 82.0%-0.1pp |
| Annual return | 21.06% | 465.72%-444.7pp | 340.67%-319.6pp | 302.99%-281.9pp |
| Employer contribution / active EE | $3,565 | $3,165+12.6% | $2,682+33.0% | $4,763-25.1% |
| Participant deferral / active EE | $2,972 | $4,176-28.8% | $3,738-20.5% | $5,983-50.3% |
| Admin fee / account holder | $1,352 | $7,778-82.6% | $6,465-79.1% | $11,252-88.0% |