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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 | $65,342 | $72,071-9.3% | $68,368-4.4% | $137,256-52.4% |
| Participation rate | 92.3% | 76.2%+16.1pp | 73.8%+18.6pp | 80.0%+12.3pp |
| Annual return | 15.79% | 353.14%-337.4pp | 292.57%-276.8pp | 220.34%-204.6pp |
| Employer contribution / active EE | $2,242 | $2,788-19.6% | $2,649-15.4% | $4,156-46.0% |
| Participant deferral / active EE | $2,824 | $4,410-36.0% | $4,123-31.5% | $6,407-55.9% |
| Admin fee / account holder | $821 | $5,336-84.6% | $5,150-84.1% | $12,270-93.3% |