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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 | $73,751 | $55,902+31.9% | $76,030-3.0% | $80,959-8.9% |
| Participation rate | 76.0% | 62.1%+13.9pp | 69.1%+6.9pp | 67.7%+8.3pp |
| Annual return | 20.10% | 20.59%-0.5pp | 361.54%-341.4pp | 35.67%-15.6pp |
| Employer contribution / active EE | $1,364 | $1,867-26.9% | $2,688-49.2% | $2,757-50.5% |
| Participant deferral / active EE | $3,662 | $3,051+20.0% | $4,257-14.0% | $4,300-14.8% |
| Admin fee / account holder | $3,305 | $5,239-36.9% | $6,421-48.5% | $6,925-52.3% |