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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 | $48,000 | $175,231-72.6% | $149,696-67.9% | $139,466-65.6% |
| Participation rate | 70.8% | 83.4%-12.6pp | 78.8%-7.9pp | 80.3%-9.5pp |
| Annual return | 14.98% | 166.77%-151.8pp | 134.46%-119.5pp | 373.66%-358.7pp |
| Employer contribution / active EE | $1,956 | $5,478-64.3% | $4,821-59.4% | $4,754-58.9% |
| Participant deferral / active EE | $3,523 | $6,521-46.0% | $5,682-38.0% | $6,712-47.5% |
| Admin fee / account holder | $1,128 | $16,155-93.0% | $13,212-91.5% | $11,409-90.1% |