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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 | $40,709 | $105,200-61.3% | $159,474-74.5% | $85,847-52.6% |
| Participation rate | 82.7% | 75.8%+6.9pp | 82.8%-0.1pp | 69.3%+13.4pp |
| Annual return | 15.43% | 45.08%-29.6pp | 263.68%-248.2pp | 318.61%-303.2pp |
| Employer contribution / active EE | $2,003 | $3,319-39.7% | $4,831-58.5% | $2,565-21.9% |
| Participant deferral / active EE | $3,597 | $5,946-39.5% | $7,353-51.1% | $3,952-9.0% |
| Admin fee / account holder | $2,400 | $6,934-65.4% | $10,802-77.8% | $6,261-61.7% |