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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 | $55,054 | $175,231-68.6% | $149,696-63.2% | $139,466-60.5% |
| Participation rate | 79.2% | 83.4%-4.2pp | 78.8%+0.4pp | 80.3%-1.2pp |
| Annual return | 11.59% | 166.77%-155.2pp | 134.46%-122.9pp | 373.66%-362.1pp |
| Employer contribution / active EE | $3,930 | $5,478-28.3% | $4,821-18.5% | $4,754-17.3% |
| Participant deferral / active EE | $5,085 | $6,521-22.0% | $5,682-10.5% | $6,712-24.2% |
| Admin fee / account holder | $541 | $16,155-96.7% | $13,212-95.9% | $11,409-95.3% |