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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 | $57,996 | $63,346-8.4% | $92,240-37.1% | $70,126-17.3% |
| Participation rate | 81.3% | 68.7%+12.6pp | 76.5%+4.8pp | 69.5%+11.7pp |
| Annual return | 16.18% | 530.19%-514.0pp | 176.29%-160.1pp | 73.15%-57.0pp |
| Employer contribution / active EE | $2,046 | $2,471-17.2% | $3,680-44.4% | $2,343-12.7% |
| Participant deferral / active EE | $3,753 | $2,854+31.5% | $3,897-3.7% | $3,332+12.7% |
| Admin fee / account holder | $6,055 | $3,841+57.6% | $5,194+16.6% | $4,645+30.3% |