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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 | $72,534 | $93,598-22.5% | $135,974-46.7% | $75,173-3.5% |
| Participation rate | 75.6% | 75.2%+0.4pp | 81.9%-6.3pp | 67.2%+8.4pp |
| Annual return | 58.47% | 30.89%+27.6pp | 68.30%-9.8pp | 160.72%-102.2pp |
| Employer contribution / active EE | $2,009 | $3,538-43.2% | $4,859-58.7% | $2,671-24.8% |
| Participant deferral / active EE | $10,427 | $6,405+62.8% | $7,760+34.4% | $4,126+152.7% |
| Admin fee / account holder | $18,189 | $6,978+160.7% | $10,767+68.9% | $5,651+221.9% |