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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 | $47,185 | $88,672-46.8% | $105,223-55.2% | $82,448-42.8% |
| Participation rate | 75.7% | 67.9%+7.8pp | 75.0%+0.6pp | 68.1%+7.6pp |
| Annual return | 25.34% | 30.86%-5.5pp | 180.65%-155.3pp | 41.64%-16.3pp |
| Employer contribution / active EE | $3,638 | $3,048+19.4% | $3,689-1.4% | $2,551+42.6% |
| Participant deferral / active EE | $7,000 | $4,036+73.4% | $5,072+38.0% | $4,139+69.1% |
| Admin fee / account holder | $12,315 | $7,146+72.3% | $8,859+39.0% | $7,234+70.2% |