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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 | $48,521 | $102,429-52.6% | $147,096-67.0% | $80,925-40.0% |
| Participation rate | 84.1% | 75.9%+8.2pp | 82.2%+1.9pp | 67.7%+16.4pp |
| Annual return | 19.52% | 135.02%-115.5pp | 419.75%-400.2pp | 35.65%-16.1pp |
| Employer contribution / active EE | $4,670 | $3,716+25.7% | $4,936-5.4% | $2,756+69.4% |
| Participant deferral / active EE | $7,296 | $6,649+9.7% | $8,071-9.6% | $4,299+69.7% |
| Admin fee / account holder | $6,985 | $7,957-12.2% | $13,005-46.3% | $6,940+0.6% |