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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 | $44,693 | $65,434-31.7% | $98,483-54.6% | $85,847-47.9% |
| Participation rate | 80.4% | 65.0%+15.4pp | 73.3%+7.1pp | 69.3%+11.1pp |
| Annual return | 13.62% | 21.75%-8.1pp | 1494.38%-1480.8pp | 318.61%-305.0pp |
| Employer contribution / active EE | $2,927 | $2,169+35.0% | $2,961-1.1% | $2,565+14.1% |
| Participant deferral / active EE | $7,801 | $3,168+146.3% | $4,276+82.4% | $3,952+97.4% |
| Admin fee / account holder | $5,724 | $4,595+24.6% | $5,953-3.8% | $6,261-8.6% |