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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 | $87,948 | $70,366+25.0% | $66,674+31.9% | $138,895-36.7% |
| Participation rate | 81.0% | 76.2%+4.8pp | 73.7%+7.3pp | 79.9%+1.0pp |
| Annual return | 13.77% | 386.41%-372.6pp | 321.24%-307.5pp | 145.39%-131.6pp |
| Employer contribution / active EE | $1,437 | $2,765-48.0% | $2,620-45.2% | $4,194-65.7% |
| Participant deferral / active EE | $2,635 | $4,374-39.8% | $4,084-35.5% | $6,396-58.8% |
| Admin fee / account holder | $3,227 | $5,262-38.7% | $5,098-36.7% | $12,562-74.3% |