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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 | $46,561 | $157,270-70.4% | $141,173-67.0% | $152,870-69.5% |
| Participation rate | 90.0% | 84.8%+5.2pp | 82.5%+7.5pp | 82.4%+7.6pp |
| Annual return | 22.93% | 64.33%-41.4pp | 71.40%-48.5pp | 345.34%-322.4pp |
| Employer contribution / active EE | $1,636 | $5,261-68.9% | $4,735-65.5% | $4,763-65.7% |
| Participant deferral / active EE | $3,271 | $7,110-54.0% | $6,710-51.2% | $5,850-44.1% |
| Admin fee / account holder | $323 | $12,121-97.3% | $10,262-96.8% | $11,597-97.2% |