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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 | $40,759 | $105,210-61.3% | $159,487-74.4% | $85,851-52.5% |
| Participation rate | 79.6% | 75.8%+3.8pp | 82.8%-3.2pp | 69.3%+10.3pp |
| Annual return | 18.15% | 45.08%-26.9pp | 263.71%-245.6pp | 318.63%-300.5pp |
| Employer contribution / active EE | $3,631 | $3,319+9.4% | $4,831-24.8% | $2,565+41.5% |
| Participant deferral / active EE | $6,364 | $5,946+7.0% | $7,354-13.5% | $3,952+61.0% |
| Admin fee / account holder | $3,426 | $6,934-50.6% | $10,804-68.3% | $6,261-45.3% |