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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 | $26,928 | $148,623-81.9% | $135,974-80.2% | $139,466-80.7% |
| Participation rate | 87.5% | 83.9%+3.6pp | 81.9%+5.6pp | 80.3%+7.2pp |
| Annual return | 21.52% | 79.30%-57.8pp | 68.30%-46.8pp | 373.66%-352.1pp |
| Employer contribution / active EE | $3,595 | $5,246-31.5% | $4,859-26.0% | $4,754-24.4% |
| Participant deferral / active EE | $8,783 | $8,103+8.4% | $7,760+13.2% | $6,712+30.8% |
| Admin fee / account holder | $1,670 | $12,406-86.5% | $10,767-84.5% | $11,409-85.4% |