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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 | $39,722 | $154,209-74.2% | $130,062-69.5% | $139,487-71.5% |
| Participation rate | 95.8% | 82.0%+13.9pp | 78.5%+17.3pp | 80.3%+15.5pp |
| Annual return | 17.24% | 32.52%-15.3pp | -137.37%+154.6pp | 373.84%-356.6pp |
| Employer contribution / active EE | $3,443 | $5,292-34.9% | $4,322-20.3% | $4,755-27.6% |
| Participant deferral / active EE | $3,412 | $6,709-49.1% | $5,821-41.4% | $6,713-49.2% |
| Admin fee / account holder | $949 | $13,988-93.2% | $10,601-91.0% | $11,407-91.7% |