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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 | $50,026 | $58,311-14.2% | $81,882-38.9% | $80,959-38.2% |
| Participation rate | 81.0% | 63.5%+17.5pp | 72.4%+8.6pp | 67.7%+13.3pp |
| Annual return | 15.85% | 41.85%-26.0pp | 779.47%-763.6pp | 35.67%-19.8pp |
| Employer contribution / active EE | $3,128 | $2,347+33.3% | $2,916+7.3% | $2,757+13.4% |
| Participant deferral / active EE | $4,217 | $3,287+28.3% | $4,323-2.5% | $4,300-1.9% |
| Admin fee / account holder | $7,800 | $4,752+64.1% | $7,360+6.0% | $6,925+12.6% |