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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 | $73,236 | $107,368-31.8% | $92,915-21.2% | $152,909-52.1% |
| Participation rate | 95.2% | 79.8%+15.4pp | 76.0%+19.2pp | 82.5%+12.8pp |
| Annual return | 19.51% | 145.64%-126.1pp | 109.45%-89.9pp | 345.46%-326.0pp |
| Employer contribution / active EE | $2,600 | $4,222-38.4% | $3,653-28.8% | $4,764-45.4% |
| Participant deferral / active EE | $5,732 | $4,848+18.2% | $4,238+35.2% | $5,851-2.0% |
| Admin fee / account holder | $10,741 | $7,082+51.7% | $5,796+85.3% | $11,601-7.4% |