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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 | $63,785 | $72,071-11.5% | $68,368-6.7% | $137,256-53.5% |
| Participation rate | 88.2% | 76.2%+12.0pp | 73.8%+14.5pp | 80.0%+8.3pp |
| Annual return | 29.54% | 353.14%-323.6pp | 292.57%-263.0pp | 220.34%-190.8pp |
| Employer contribution / active EE | $1,895 | $2,788-32.0% | $2,649-28.4% | $4,156-54.4% |
| Participant deferral / active EE | $7,725 | $4,410+75.2% | $4,123+87.4% | $6,407+20.6% |
| Admin fee / account holder | $1,483 | $5,336-72.2% | $5,150-71.2% | $12,270-87.9% |