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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 | $46,089 | $132,634-65.3% | $115,768-60.2% | $137,256-66.4% |
| Participation rate | 82.6% | 77.9%+4.7pp | 74.4%+8.2pp | 80.0%+2.6pp |
| Annual return | 18.21% | 160.70%-142.5pp | 100.46%-82.3pp | 220.34%-202.1pp |
| Employer contribution / active EE | $1,439 | $3,360-57.2% | $2,940-51.1% | $4,156-65.4% |
| Participant deferral / active EE | $2,998 | $5,619-46.6% | $4,917-39.0% | $6,407-53.2% |
| Admin fee / account holder | $8,148 | $15,028-45.8% | $12,439-34.5% | $12,270-33.6% |