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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 | $54,274 | $176,077-69.2% | $159,455-66.0% | $167,518-67.6% |
| Participation rate | 87.5% | 84.9%+2.6pp | 82.8%+4.7pp | 82.1%+5.4pp |
| Annual return | 20.31% | 331.83%-311.5pp | 263.63%-243.3pp | 478.71%-458.4pp |
| Employer contribution / active EE | $4,171 | $5,298-21.3% | $4,830-13.6% | $4,838-13.8% |
| Participant deferral / active EE | $8,416 | $7,751+8.6% | $7,353+14.5% | $6,342+32.7% |
| Admin fee / account holder | $949 | $12,556-92.4% | $10,800-91.2% | $12,312-92.3% |