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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 | $41,943 | $118,919-64.7% | $88,538-52.6% | $152,897-72.6% |
| Participation rate | 94.7% | 73.4%+21.4pp | 68.7%+26.0pp | 82.5%+12.3pp |
| Annual return | 19.70% | 47.92%-28.2pp | 43.64%-23.9pp | 345.43%-325.7pp |
| Employer contribution / active EE | $2,319 | $2,669-13.1% | $2,098+10.5% | $4,764-51.3% |
| Participant deferral / active EE | $4,404 | $3,549+24.1% | $2,914+51.1% | $5,851-24.7% |
| Admin fee / account holder | $4,187 | $5,876-28.8% | $4,310-2.9% | $11,599-63.9% |