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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 | $34,001 | $118,869-71.4% | $96,575-64.8% | $167,518-79.7% |
| Participation rate | 95.0% | 75.5%+19.5pp | 69.8%+25.2pp | 82.1%+12.9pp |
| Annual return | 11.68% | 50.49%-38.8pp | 37.79%-26.1pp | 478.71%-467.0pp |
| Employer contribution / active EE | $5,769 | $3,120+84.9% | $2,357+144.8% | $4,838+19.2% |
| Participant deferral / active EE | $2,560 | $4,616-44.5% | $3,849-33.5% | $6,342-59.6% |
| Admin fee / account holder | $1,441 | $8,067-82.1% | $6,182-76.7% | $12,312-88.3% |