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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 | $46,858 | $70,366-33.4% | $66,674-29.7% | $138,895-66.3% |
| Participation rate | 95.7% | 76.2%+19.5pp | 73.7%+22.0pp | 79.9%+15.7pp |
| Annual return | 16.45% | 386.41%-370.0pp | 321.24%-304.8pp | 145.39%-128.9pp |
| Employer contribution / active EE | $3,193 | $2,765+15.5% | $2,620+21.9% | $4,194-23.9% |
| Participant deferral / active EE | $3,637 | $4,374-16.8% | $4,084-10.9% | $6,396-43.1% |
| Admin fee / account holder | $7,296 | $5,262+38.6% | $5,098+43.1% | $12,562-41.9% |