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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 | $48,022 | $77,145-37.8% | $108,410-55.7% | $85,856-44.1% |
| Participation rate | 84.0% | 74.7%+9.3pp | 80.1%+3.9pp | 69.3%+14.7pp |
| Annual return | 14.12% | 44.54%-30.4pp | 905.34%-891.2pp | 318.58%-304.5pp |
| Employer contribution / active EE | $4,202 | $2,379+76.6% | $3,558+18.1% | $2,565+63.8% |
| Participant deferral / active EE | $8,617 | $5,566+54.8% | $6,562+31.3% | $3,952+118.0% |
| Admin fee / account holder | $4,619 | $5,172-10.7% | $7,296-36.7% | $6,261-26.2% |