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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 | $43,382 | $105,200-58.8% | $159,474-72.8% | $85,847-49.5% |
| Participation rate | 95.5% | 75.8%+19.7pp | 82.8%+12.6pp | 69.3%+26.1pp |
| Annual return | 12.72% | 45.08%-32.4pp | 263.68%-251.0pp | 318.61%-305.9pp |
| Employer contribution / active EE | $2,512 | $3,319-24.3% | $4,831-48.0% | $2,565-2.1% |
| Participant deferral / active EE | $3,895 | $5,946-34.5% | $7,353-47.0% | $3,952-1.4% |
| Admin fee / account holder | $1,061 | $6,934-84.7% | $10,802-90.2% | $6,261-83.1% |