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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 | $59,863 | $105,198-43.1% | $159,455-62.5% | $85,856-30.3% |
| Participation rate | 82.1% | 75.8%+6.4pp | 82.8%-0.7pp | 69.3%+12.8pp |
| Annual return | 16.89% | 45.08%-28.2pp | 263.63%-246.7pp | 318.58%-301.7pp |
| Employer contribution / active EE | $4,528 | $3,319+36.4% | $4,830-6.3% | $2,565+76.5% |
| Participant deferral / active EE | $9,224 | $5,946+55.1% | $7,353+25.4% | $3,952+133.4% |
| Admin fee / account holder | $6,478 | $6,934-6.6% | $10,800-40.0% | $6,261+3.5% |