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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 | $78,095 | $90,614-13.8% | $76,089+2.6% | $145,877-46.5% |
| Participation rate | 85.7% | 74.5%+11.2pp | 69.1%+16.6pp | 80.3%+5.4pp |
| Annual return | 16.17% | 623.80%-607.6pp | 360.94%-344.8pp | 551.28%-535.1pp |
| Employer contribution / active EE | $1,983 | $3,324-40.3% | $2,690-26.3% | $4,663-57.5% |
| Participant deferral / active EE | $5,745 | $5,168+11.2% | $4,259+34.9% | $6,691-14.1% |
| Admin fee / account holder | $3,319 | $8,376-60.4% | $6,418-48.3% | $13,402-75.2% |