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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 | $48,316 | $70,366-31.3% | $66,674-27.5% | $138,895-65.2% |
| Participation rate | 95.0% | 76.2%+18.8pp | 73.7%+21.3pp | 79.9%+15.1pp |
| Annual return | 18.33% | 386.41%-368.1pp | 321.24%-302.9pp | 145.39%-127.1pp |
| Employer contribution / active EE | $1,631 | $2,765-41.0% | $2,620-37.7% | $4,194-61.1% |
| Participant deferral / active EE | $4,302 | $4,374-1.7% | $4,084+5.3% | $6,396-32.7% |
| Admin fee / account holder | $567 | $5,262-89.2% | $5,098-88.9% | $12,562-95.5% |