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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 | $52,623 | $70,366-25.2% | $66,674-21.1% | $138,895-62.1% |
| Participation rate | 86.4% | 76.2%+10.2pp | 73.7%+12.7pp | 79.9%+6.4pp |
| Annual return | 18.13% | 386.41%-368.3pp | 321.24%-303.1pp | 145.39%-127.3pp |
| Employer contribution / active EE | $4,164 | $2,765+50.6% | $2,620+58.9% | $4,194-0.7% |
| Participant deferral / active EE | $9,040 | $4,374+106.7% | $4,084+121.3% | $6,396+41.3% |
| Admin fee / account holder | $1,222 | $5,262-76.8% | $5,098-76.0% | $12,562-90.3% |