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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 | $77,121 | $105,200-26.7% | $159,474-51.6% | $85,847-10.2% |
| Participation rate | 86.5% | 75.8%+10.7pp | 82.8%+3.7pp | 69.3%+17.2pp |
| Annual return | 12.63% | 45.08%-32.5pp | 263.68%-251.1pp | 318.61%-306.0pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $5,090 | $5,946-14.4% | $7,353-30.8% | $3,952+28.8% |
| Admin fee / account holder | $8,079 | $6,934+16.5% | $10,802-25.2% | $6,261+29.0% |