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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 | $69,195 | $63,346+9.2% | $92,240-25.0% | $70,126-1.3% |
| Participation rate | 82.4% | 68.7%+13.7pp | 76.5%+5.9pp | 69.5%+12.8pp |
| Annual return | 18.87% | 530.19%-511.3pp | 176.29%-157.4pp | 73.15%-54.3pp |
| Employer contribution / active EE | $2,197 | $2,471-11.1% | $3,680-40.3% | $2,343-6.2% |
| Participant deferral / active EE | $3,508 | $2,854+22.9% | $3,897-10.0% | $3,332+5.3% |
| Admin fee / account holder | $23,709 | $3,841+517.3% | $5,194+356.5% | $4,645+410.4% |