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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 | $44,949 | $91,537-50.9% | $130,045-65.4% | $75,173-40.2% |
| Participation rate | 97.4% | 71.5%+25.9pp | 78.5%+18.9pp | 67.2%+30.2pp |
| Annual return | 19.13% | -631.55%+650.7pp | -137.30%+156.4pp | 160.72%-141.6pp |
| Employer contribution / active EE | $4,405 | $2,845+54.8% | $4,321+1.9% | $2,671+64.9% |
| Participant deferral / active EE | $4,816 | $4,343+10.9% | $5,820-17.2% | $4,126+16.7% |
| Admin fee / account holder | $2,873 | $6,780-57.6% | $10,600-72.9% | $5,651-49.1% |