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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 | $73,809 | $72,071+2.4% | $68,368+8.0% | $137,256-46.2% |
| Participation rate | 85.7% | 76.2%+9.5pp | 73.8%+12.0pp | 80.0%+5.8pp |
| Annual return | 15.66% | 353.14%-337.5pp | 292.57%-276.9pp | 220.34%-204.7pp |
| Employer contribution / active EE | $2,320 | $2,788-16.8% | $2,649-12.4% | $4,156-44.2% |
| Participant deferral / active EE | $5,841 | $4,410+32.5% | $4,123+41.7% | $6,407-8.8% |
| Admin fee / account holder | $4,196 | $5,336-21.4% | $5,150-18.5% | $12,270-65.8% |