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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 | $32,209 | $70,366-54.2% | $66,674-51.7% | $138,895-76.8% |
| Participation rate | 78.3% | 76.2%+2.1pp | 73.7%+4.6pp | 79.9%-1.7pp |
| Annual return | 18.22% | 386.41%-368.2pp | 321.24%-303.0pp | 145.39%-127.2pp |
| Employer contribution / active EE | $1,660 | $2,765-40.0% | $2,620-36.7% | $4,194-60.4% |
| Participant deferral / active EE | $5,778 | $4,374+32.1% | $4,084+41.5% | $6,396-9.7% |
| Admin fee / account holder | $4,582 | $5,262-12.9% | $5,098-10.1% | $12,562-63.5% |