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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 | $24,490 | $183,516-86.7% | $155,534-84.3% | $145,884-83.2% |
| Participation rate | 83.3% | 82.7%+0.6pp | 78.2%+5.1pp | 80.3%+3.0pp |
| Annual return | 21.20% | 61.43%-40.2pp | 64.92%-43.7pp | 551.85%-530.6pp |
| Employer contribution / active EE | $2,748 | $5,315-48.3% | $4,675-41.2% | $4,662-41.1% |
| Participant deferral / active EE | $5,699 | $6,467-11.9% | $5,630+1.2% | $6,690-14.8% |
| Admin fee / account holder | $455 | $19,293-97.6% | $15,900-97.1% | $13,392-96.6% |