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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 | $44,529 | $90,691-50.9% | $76,119-41.5% | $145,884-69.5% |
| Participation rate | 75.0% | 74.5%+0.5pp | 69.1%+5.9pp | 80.3%-5.3pp |
| Annual return | 13.80% | 624.52%-610.7pp | 361.25%-347.4pp | 551.85%-538.1pp |
| Employer contribution / active EE | $2,959 | $3,329-11.1% | $2,693+9.9% | $4,662-36.5% |
| Participant deferral / active EE | $4,820 | $5,167-6.7% | $4,259+13.2% | $6,690-28.0% |
| Admin fee / account holder | $4,742 | $8,383-43.4% | $6,421-26.1% | $13,392-64.6% |