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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 | $44,774 | $105,200-57.4% | $159,474-71.9% | $85,847-47.8% |
| Participation rate | 90.0% | 75.8%+14.2pp | 82.8%+7.2pp | 69.3%+20.7pp |
| Annual return | 14.21% | 45.08%-30.9pp | 263.68%-249.5pp | 318.61%-304.4pp |
| Employer contribution / active EE | $3,076 | $3,319-7.3% | $4,831-36.3% | $2,565+19.9% |
| Participant deferral / active EE | $3,107 | $5,946-47.7% | $7,353-57.7% | $3,952-21.4% |
| Admin fee / account holder | $13,608 | $6,934+96.2% | $10,802+26.0% | $6,261+117.4% |