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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 | $49,301 | $105,210-53.1% | $159,487-69.1% | $85,851-42.6% |
| Participation rate | 98.3% | 75.8%+22.5pp | 82.8%+15.4pp | 69.3%+29.0pp |
| Annual return | 13.56% | 45.08%-31.5pp | 263.71%-250.1pp | 318.63%-305.1pp |
| Employer contribution / active EE | $1,751 | $3,319-47.2% | $4,831-63.8% | $2,565-31.7% |
| Participant deferral / active EE | $4,057 | $5,946-31.8% | $7,354-44.8% | $3,952+2.7% |
| Admin fee / account holder | $6,517 | $6,934-6.0% | $10,804-39.7% | $6,261+4.1% |