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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 | $47,842 | $148,629-67.8% | $135,982-64.8% | $139,487-65.7% |
| Participation rate | 95.2% | 83.9%+11.4pp | 81.9%+13.3pp | 80.3%+14.9pp |
| Annual return | 14.25% | 79.33%-65.1pp | 68.32%-54.1pp | 373.84%-359.6pp |
| Employer contribution / active EE | $3,664 | $5,247-30.2% | $4,859-24.6% | $4,755-22.9% |
| Participant deferral / active EE | $4,673 | $8,102-42.3% | $7,760-39.8% | $6,713-30.4% |
| Admin fee / account holder | $2,672 | $12,406-78.5% | $10,767-75.2% | $11,407-76.6% |