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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 | $48,419 | $100,139-51.6% | $85,187-43.2% | $145,884-66.8% |
| Participation rate | 87.5% | 74.1%+13.4pp | 67.5%+20.0pp | 80.3%+7.2pp |
| Annual return | 14.40% | 84.15%-69.7pp | 66.67%-52.3pp | 551.85%-537.4pp |
| Employer contribution / active EE | $6,399 | $3,238+97.6% | $2,732+134.2% | $4,662+37.2% |
| Participant deferral / active EE | $16,357 | $5,296+208.9% | $4,525+261.5% | $6,690+144.5% |
| Admin fee / account holder | $9,459 | $7,262+30.3% | $6,162+53.5% | $13,392-29.4% |