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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 | $45,817 | $108,882-57.9% | $96,754-52.6% | $154,746-70.4% |
| Participation rate | 78.6% | 75.1%+3.5pp | 70.3%+8.3pp | 80.7%-2.1pp |
| Annual return | 41.80% | 98.39%-56.6pp | 82.04%-40.2pp | 172.34%-130.5pp |
| Employer contribution / active EE | $2,217 | $3,018-26.6% | $2,679-17.3% | $4,379-49.4% |
| Participant deferral / active EE | $4,536 | $5,323-14.8% | $4,758-4.7% | $6,730-32.6% |
| Admin fee / account holder | $4,143 | $10,200-59.4% | $8,905-53.5% | $14,365-71.2% |