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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 | $61,768 | $111,814-44.8% | $93,654-34.0% | $145,959-57.7% |
| Participation rate | 88.9% | 74.2%+14.7pp | 68.7%+20.2pp | 80.3%+8.6pp |
| Annual return | 18.82% | 203.30%-184.5pp | 133.34%-114.5pp | 561.95%-543.1pp |
| Employer contribution / active EE | $2,343 | $3,092-24.2% | $2,421-3.2% | $4,661-49.7% |
| Participant deferral / active EE | $7,035 | $4,914+43.2% | $4,413+59.4% | $6,689+5.2% |
| Admin fee / account holder | $693 | $10,246-93.2% | $8,282-91.6% | $13,398-94.8% |