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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 | $48,418 | $183,516-73.6% | $155,534-68.9% | $145,884-66.8% |
| Participation rate | 92.3% | 82.7%+9.6pp | 78.2%+14.1pp | 80.3%+12.0pp |
| Annual return | 10.07% | 61.43%-51.4pp | 64.92%-54.9pp | 551.85%-541.8pp |
| Employer contribution / active EE | $1,598 | $5,315-69.9% | $4,675-65.8% | $4,662-65.7% |
| Participant deferral / active EE | $4,066 | $6,467-37.1% | $5,630-27.8% | $6,690-39.2% |
| Admin fee / account holder | $4,591 | $19,293-76.2% | $15,900-71.1% | $13,392-65.7% |