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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 | $59,010 | $56,134+5.1% | $96,171-38.6% | $85,847-31.3% |
| Participation rate | 76.3% | 56.7%+19.6pp | 68.4%+7.9pp | 69.3%+7.0pp |
| Annual return | 11.74% | 42.30%-30.6pp | 192.04%-180.3pp | 318.61%-306.9pp |
| Employer contribution / active EE | $1,660 | $1,620+2.5% | $2,799-40.7% | $2,565-35.3% |
| Participant deferral / active EE | $3,118 | $2,858+9.1% | $4,350-28.3% | $3,952-21.1% |
| Admin fee / account holder | $1,045 | $3,769-72.3% | $5,538-81.1% | $6,261-83.3% |