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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 | $39,784 | $109,904-63.8% | $97,167-59.1% | $145,959-72.7% |
| Participation rate | 95.5% | 75.9%+19.5pp | 72.7%+22.8pp | 80.3%+15.2pp |
| Annual return | 12.82% | 243.43%-230.6pp | 75.27%-62.4pp | 561.95%-549.1pp |
| Employer contribution / active EE | $4,234 | $3,084+37.3% | $2,729+55.2% | $4,661-9.2% |
| Participant deferral / active EE | $5,105 | $4,676+9.2% | $4,264+19.7% | $6,689-23.7% |
| Admin fee / account holder | $382 | $6,216-93.9% | $5,650-93.2% | $13,398-97.2% |