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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 | $40,930 | $90,691-54.9% | $76,119-46.2% | $145,884-71.9% |
| Participation rate | 81.3% | 74.5%+6.8pp | 69.1%+12.2pp | 80.3%+0.9pp |
| Annual return | 13.41% | 624.52%-611.1pp | 361.25%-347.8pp | 551.85%-538.4pp |
| Employer contribution / active EE | $2,005 | $3,329-39.8% | $2,693-25.5% | $4,662-57.0% |
| Participant deferral / active EE | $4,498 | $5,167-13.0% | $4,259+5.6% | $6,690-32.8% |
| Admin fee / account holder | $965 | $8,383-88.5% | $6,421-85.0% | $13,392-92.8% |