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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 | $66,336 | $56,116+18.2% | $135,768-51.1% | $86,983-23.7% |
| Participation rate | 73.3% | 60.1%+13.2pp | 71.1%+2.3pp | 69.5%+3.8pp |
| Annual return | 16.10% | 125.33%-109.2pp | 526.10%-510.0pp | 25.83%-9.7pp |
| Employer contribution / active EE | $1,766 | $1,528+15.6% | $3,394-48.0% | $2,584-31.7% |
| Participant deferral / active EE | $4,328 | $2,690+60.9% | $3,977+8.8% | $4,194+3.2% |
| Admin fee / account holder | $923 | $4,314-78.6% | $7,048-86.9% | $7,856-88.3% |