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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 | $71,345 | $103,038-30.8% | $90,324-21.0% | $152,909-53.3% |
| Participation rate | 94.7% | 75.9%+18.9pp | 73.3%+21.5pp | 82.5%+12.3pp |
| Annual return | 11.76% | 95.25%-83.5pp | 78.15%-66.4pp | 345.46%-333.7pp |
| Employer contribution / active EE | $5,915 | $3,141+88.3% | $2,856+107.1% | $4,764+24.2% |
| Participant deferral / active EE | $2,423 | $4,282-43.4% | $3,885-37.6% | $5,851-58.6% |
| Admin fee / account holder | $2,872 | $6,177-53.5% | $5,356-46.4% | $11,601-75.2% |