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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 | $47,042 | $96,956-51.5% | $69,779-32.6% | $273,972-82.8% |
| Participation rate | 90.0% | 77.1%+12.9pp | 71.8%+18.2pp | 83.0%+7.0pp |
| Annual return | 80.92% | 12.93%+68.0pp | 12.99%+67.9pp | 41.46%+39.5pp |
| Employer contribution / active EE | $2,806 | $3,316-15.4% | $2,338+20.0% | $4,869-42.4% |
| Participant deferral / active EE | $2,320 | $3,744-38.0% | $2,931-20.8% | $5,287-56.1% |
| Admin fee / account holder | $35,067 | $7,934+342.0% | $4,381+700.5% | $10,133+246.1% |