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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 | $47,224 | $102,595-54.0% | $94,057-49.8% | $154,746-69.5% |
| Participation rate | 80.0% | 76.0%+4.0pp | 73.3%+6.7pp | 80.7%-0.7pp |
| Annual return | 23.36% | 583.42%-560.1pp | 480.62%-457.3pp | 172.34%-149.0pp |
| Employer contribution / active EE | $3,223 | $3,147+2.4% | $2,933+9.9% | $4,379-26.4% |
| Participant deferral / active EE | $4,202 | $5,118-17.9% | $4,709-10.8% | $6,730-37.6% |
| Admin fee / account holder | $345 | $7,736-95.5% | $7,244-95.2% | $14,365-97.6% |