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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 | $47,932 | $100,073-52.1% | $85,126-43.7% | $145,877-67.1% |
| Participation rate | 87.5% | 74.1%+13.4pp | 67.5%+20.0pp | 80.3%+7.2pp |
| Annual return | 15.22% | 84.11%-68.9pp | 66.63%-51.4pp | 551.28%-536.1pp |
| Employer contribution / active EE | $3,609 | $3,236+11.5% | $2,731+32.1% | $4,663-22.6% |
| Participant deferral / active EE | $7,666 | $5,294+44.8% | $4,523+69.5% | $6,691+14.6% |
| Admin fee / account holder | $1,198 | $7,261-83.5% | $6,160-80.5% | $13,402-91.1% |