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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 | $47,072 | $50,464-6.7% | $75,784-37.9% | $52,331-10.0% |
| Participation rate | 97.7% | 66.8%+30.9pp | 75.8%+21.9pp | 68.1%+29.6pp |
| Annual return | 81.62% | 1.03%+80.6pp | 9.68%+71.9pp | 4.54%+77.1pp |
| Employer contribution / active EE | $4,474 | $1,988+125.0% | $3,323+34.6% | $1,882+137.8% |
| Participant deferral / active EE | $2,935 | $2,570+14.2% | $3,652-19.6% | $3,022-2.9% |
| Admin fee / account holder | $5,570 | $1,103+405.1% | $5,300+5.1% | $592+841.6% |