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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 | $41,082 | $160,028-74.3% | $147,080-72.1% | $145,884-71.8% |
| Participation rate | 83.3% | 84.0%-0.7pp | 82.2%+1.2pp | 80.3%+3.0pp |
| Annual return | 11.98% | 98.60%-86.6pp | 420.17%-408.2pp | 551.85%-539.9pp |
| Employer contribution / active EE | $2,242 | $5,286-57.6% | $4,933-54.6% | $4,662-51.9% |
| Participant deferral / active EE | $3,933 | $8,422-53.3% | $8,066-51.2% | $6,690-41.2% |
| Admin fee / account holder | $10,431 | $15,030-30.6% | $12,989-19.7% | $13,392-22.1% |