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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 | $70,606 | $98,766-28.5% | $149,730-52.8% | $79,852-11.6% |
| Participation rate | 87.1% | 75.8%+11.3pp | 82.5%+4.6pp | 69.6%+17.5pp |
| Annual return | 39.36% | 27.43%+11.9pp | 276.70%-237.3pp | 31.72%+7.6pp |
| Employer contribution / active EE | $3,510 | $3,217+9.1% | $4,645-24.4% | $2,471+42.1% |
| Participant deferral / active EE | $8,971 | $5,681+57.9% | $6,843+31.1% | $3,740+139.8% |
| Admin fee / account holder | $4,195 | $6,052-30.7% | $9,310-54.9% | $5,306-20.9% |