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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 | $57,743 | $111,878-48.4% | $93,727-38.4% | $145,897-60.4% |
| Participation rate | 75.0% | 74.2%+0.8pp | 68.7%+6.3pp | 80.3%-5.3pp |
| Annual return | 9.11% | 204.28%-195.2pp | 133.83%-124.7pp | 552.29%-543.2pp |
| Employer contribution / active EE | $3,114 | $3,092+0.7% | $2,421+28.6% | $4,663-33.2% |
| Participant deferral / active EE | $9,554 | $4,920+94.2% | $4,417+116.3% | $6,689+42.8% |
| Admin fee / account holder | $527 | $10,256-94.9% | $8,292-93.6% | $13,390-96.1% |