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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 | $65,335 | $56,134+16.4% | $96,171-32.1% | $85,847-23.9% |
| Participation rate | 91.1% | 56.7%+34.4pp | 68.4%+22.7pp | 69.3%+21.8pp |
| Annual return | 19.75% | 42.30%-22.6pp | 192.04%-172.3pp | 318.61%-298.9pp |
| Employer contribution / active EE | $1,113 | $1,620-31.3% | $2,799-60.2% | $2,565-56.6% |
| Participant deferral / active EE | $4,930 | $2,858+72.5% | $4,350+13.3% | $3,952+24.7% |
| Admin fee / account holder | $4,002 | $3,769+6.2% | $5,538-27.7% | $6,261-36.1% |