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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 | $48,425 | $65,566-26.1% | $86,235-43.8% | $75,177-35.6% |
| Participation rate | 73.7% | 60.5%+13.2pp | 69.0%+4.7pp | 67.2%+6.5pp |
| Annual return | 16.47% | 46.07%-29.6pp | 1170.03%-1153.6pp | 160.75%-144.3pp |
| Employer contribution / active EE | $3,126 | $1,553+101.2% | $2,381+31.3% | $2,671+17.0% |
| Participant deferral / active EE | $2,571 | $3,023-15.0% | $3,987-35.5% | $4,126-37.7% |
| Admin fee / account holder | $1,662 | $5,470-69.6% | $6,856-75.8% | $5,651-70.6% |