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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 | $45,612 | $72,071-36.7% | $68,368-33.3% | $137,256-66.8% |
| Participation rate | 87.0% | 76.2%+10.7pp | 73.8%+13.2pp | 80.0%+7.0pp |
| Annual return | 16.93% | 353.14%-336.2pp | 292.57%-275.6pp | 220.34%-203.4pp |
| Employer contribution / active EE | $2,235 | $2,788-19.8% | $2,649-15.6% | $4,156-46.2% |
| Participant deferral / active EE | $3,469 | $4,410-21.3% | $4,123-15.9% | $6,407-45.9% |
| Admin fee / account holder | $490 | $5,336-90.8% | $5,150-90.5% | $12,270-96.0% |