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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 | $22,492 | $208,088-89.2% | $186,193-87.9% | $154,746-85.5% |
| Participation rate | 85.7% | 80.0%+5.7pp | 77.1%+8.6pp | 80.7%+5.0pp |
| Annual return | 23.72% | 89.97%-66.3pp | 78.03%-54.3pp | 172.34%-148.6pp |
| Employer contribution / active EE | $5,059 | $4,340+16.6% | $3,918+29.1% | $4,379+15.5% |
| Participant deferral / active EE | $6,665 | $7,078-5.8% | $6,513+2.3% | $6,730-1.0% |
| Admin fee / account holder | $6,086 | $11,698-48.0% | $11,058-45.0% | $14,365-57.6% |