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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 | $53,956 | $105,198-48.7% | $159,455-66.2% | $85,856-37.2% |
| Participation rate | 86.2% | 75.8%+10.4pp | 82.8%+3.4pp | 69.3%+16.9pp |
| Annual return | 15.35% | 45.08%-29.7pp | 263.63%-248.3pp | 318.58%-303.2pp |
| Employer contribution / active EE | $3,286 | $3,319-1.0% | $4,830-32.0% | $2,565+28.1% |
| Participant deferral / active EE | $7,470 | $5,946+25.6% | $7,353+1.6% | $3,952+89.0% |
| Admin fee / account holder | $634 | $6,934-90.9% | $10,800-94.1% | $6,261-89.9% |