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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 | $52,277 | $152,592-65.7% | $125,180-58.2% | $152,885-65.8% |
| Participation rate | 95.7% | 83.3%+12.3pp | 79.8%+15.9pp | 82.5%+13.2pp |
| Annual return | 25.97% | 54.84%-28.9pp | 43.79%-17.8pp | 345.39%-319.4pp |
| Employer contribution / active EE | $3,833 | $4,947-22.5% | $3,866-0.8% | $4,763-19.5% |
| Participant deferral / active EE | $3,989 | $5,868-32.0% | $4,937-19.2% | $5,851-31.8% |
| Admin fee / account holder | $300 | $13,435-97.8% | $9,703-96.9% | $11,598-97.4% |