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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 | $30,346 | $90,691-66.5% | $76,119-60.1% | $145,884-79.2% |
| Participation rate | 93.8% | 74.5%+19.3pp | 69.1%+24.7pp | 80.3%+13.4pp |
| Annual return | 8.96% | 624.52%-615.6pp | 361.25%-352.3pp | 551.85%-542.9pp |
| Employer contribution / active EE | $2,769 | $3,329-16.8% | $2,693+2.8% | $4,662-40.6% |
| Participant deferral / active EE | $4,234 | $5,167-18.1% | $4,259-0.6% | $6,690-36.7% |
| Admin fee / account holder | $3,189 | $8,383-62.0% | $6,421-50.3% | $13,392-76.2% |