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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 | $74,184 | $58,275+27.3% | $81,844-9.4% | $80,935-8.3% |
| Participation rate | 79.3% | 63.5%+15.8pp | 72.4%+6.9pp | 67.7%+11.6pp |
| Annual return | 11.31% | 41.82%-30.5pp | 778.87%-767.6pp | 35.66%-24.4pp |
| Employer contribution / active EE | $2,774 | $2,346+18.3% | $2,916-4.9% | $2,757+0.6% |
| Participant deferral / active EE | $4,390 | $3,285+33.6% | $4,323+1.5% | $4,299+2.1% |
| Admin fee / account holder | $3,826 | $4,749-19.4% | $7,355-48.0% | $6,924-44.7% |