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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 | $39,456 | $115,814-65.9% | $101,275-61.0% | $158,982-75.2% |
| Participation rate | 94.1% | 79.4%+14.7pp | 75.8%+18.3pp | 82.0%+12.2pp |
| Annual return | 19.21% | 56.16%-36.9pp | 46.48%-27.3pp | 302.99%-283.8pp |
| Employer contribution / active EE | $3,474 | $4,176-16.8% | $3,660-5.1% | $4,763-27.1% |
| Participant deferral / active EE | $1,906 | $4,958-61.5% | $4,371-56.4% | $5,983-68.1% |
| Admin fee / account holder | $681 | $7,249-90.6% | $5,948-88.6% | $11,252-94.0% |