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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 | $82,097 | $166,268-50.6% | $165,100-50.3% | $145,897-43.7% |
| Participation rate | 87.5% | 82.0%+5.5pp | 78.6%+8.9pp | 80.3%+7.2pp |
| Annual return | 11.54% | 100.52%-89.0pp | 70.21%-58.7pp | 552.29%-540.8pp |
| Employer contribution / active EE | $4,007 | $5,284-24.2% | $4,348-7.8% | $4,663-14.1% |
| Participant deferral / active EE | $2,880 | $6,964-58.6% | $6,035-52.3% | $6,689-56.9% |
| Admin fee / account holder | $2,761 | $16,659-83.4% | $12,696-78.3% | $13,390-79.4% |