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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 | $67,026 | $102,938-34.9% | $94,105-28.8% | $138,895-51.7% |
| Participation rate | 78.9% | 74.6%+4.3pp | 71.9%+7.0pp | 79.9%-1.0pp |
| Annual return | 28.52% | 250.28%-221.8pp | 204.55%-176.0pp | 145.39%-116.9pp |
| Employer contribution / active EE | $4,175 | $2,732+52.8% | $2,504+66.7% | $4,194-0.5% |
| Participant deferral / active EE | $9,424 | $4,196+124.6% | $3,881+142.8% | $6,396+47.3% |
| Admin fee / account holder | $5,211 | $6,600-21.0% | $6,199-15.9% | $12,562-58.5% |