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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 | $41,623 | $227,633-81.7% | $189,597-78.0% | $167,553-75.2% |
| Participation rate | 88.2% | 82.5%+5.7pp | 78.4%+9.8pp | 82.1%+6.1pp |
| Annual return | 8.89% | 78.45%-69.6pp | 64.20%-55.3pp | 478.89%-470.0pp |
| Employer contribution / active EE | $1,874 | $5,317-64.7% | $4,412-57.5% | $4,840-61.3% |
| Participant deferral / active EE | $4,375 | $7,003-37.5% | $6,174-29.1% | $6,343-31.0% |
| Admin fee / account holder | $627 | $11,879-94.7% | $9,807-93.6% | $12,316-94.9% |