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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 | $56,130 | $129,737-56.7% | $119,126-52.9% | $154,746-63.7% |
| Participation rate | 94.7% | 78.9%+15.9pp | 75.8%+19.0pp | 80.7%+14.0pp |
| Annual return | 13.93% | 379.08%-365.2pp | 282.11%-268.2pp | 172.34%-158.4pp |
| Employer contribution / active EE | $3,275 | $4,375-25.1% | $4,034-18.8% | $4,379-25.2% |
| Participant deferral / active EE | $5,005 | $5,842-14.3% | $5,318-5.9% | $6,730-25.6% |
| Admin fee / account holder | $3,541 | $11,961-70.4% | $10,693-66.9% | $14,365-75.3% |