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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 | $54,297 | $105,200-48.4% | $159,474-66.0% | $85,847-36.8% |
| Participation rate | 95.9% | 75.8%+20.1pp | 82.8%+13.1pp | 69.3%+26.6pp |
| Annual return | 18.52% | 45.08%-26.6pp | 263.68%-245.2pp | 318.61%-300.1pp |
| Employer contribution / active EE | $4,448 | $3,319+34.0% | $4,831-7.9% | $2,565+73.4% |
| Participant deferral / active EE | $6,083 | $5,946+2.3% | $7,353-17.3% | $3,952+53.9% |
| Admin fee / account holder | $3,194 | $6,934-53.9% | $10,802-70.4% | $6,261-49.0% |