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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 | $79,479 | $63,346+25.5% | $92,240-13.8% | $70,126+13.3% |
| Participation rate | 90.6% | 68.7%+22.0pp | 76.5%+14.1pp | 69.5%+21.1pp |
| Annual return | 17.30% | 530.19%-512.9pp | 176.29%-159.0pp | 73.15%-55.9pp |
| Employer contribution / active EE | $3,644 | $2,471+47.4% | $3,680-1.0% | $2,343+55.6% |
| Participant deferral / active EE | $4,318 | $2,854+51.3% | $3,897+10.8% | $3,332+29.6% |
| Admin fee / account holder | $1,657 | $3,841-56.9% | $5,194-68.1% | $4,645-64.3% |