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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 | $40,613 | $110,240-63.2% | $96,544-57.9% | $139,487-70.9% |
| Participation rate | 88.9% | 78.1%+10.8pp | 76.0%+12.9pp | 80.3%+8.6pp |
| Annual return | 52.32% | 26.41%+25.9pp | 25.88%+26.4pp | 373.84%-321.5pp |
| Employer contribution / active EE | $1,814 | $3,622-49.9% | $2,966-38.8% | $4,755-61.8% |
| Participant deferral / active EE | $2,054 | $5,549-63.0% | $4,851-57.7% | $6,713-69.4% |
| Admin fee / account holder | $14,353 | $11,602+23.7% | $8,254+73.9% | $11,407+25.8% |