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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 | $70,366+4.9% | $66,674+10.7% | $138,895-46.9% |
| Participation rate | 85.7% | 76.2%+9.5pp | 73.7%+12.0pp | 79.9%+5.8pp |
| Annual return | 15.66% | 386.41%-370.7pp | 321.24%-305.6pp | 145.39%-129.7pp |
| Employer contribution / active EE | $2,320 | $2,765-16.1% | $2,620-11.4% | $4,194-44.7% |
| Participant deferral / active EE | $5,841 | $4,374+33.5% | $4,084+43.0% | $6,396-8.7% |
| Admin fee / account holder | $4,196 | $5,262-20.3% | $5,098-17.7% | $12,562-66.6% |