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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 | $55,547 | $65,566-15.3% | $86,235-35.6% | $75,177-26.1% |
| Participation rate | 87.5% | 60.5%+27.0pp | 69.0%+18.5pp | 67.2%+20.3pp |
| Annual return | 15.56% | 46.07%-30.5pp | 1170.03%-1154.5pp | 160.75%-145.2pp |
| Employer contribution / active EE | $2,979 | $1,553+91.8% | $2,381+25.1% | $2,671+11.5% |
| Participant deferral / active EE | $3,467 | $3,023+14.7% | $3,987-13.1% | $4,126-16.0% |
| Admin fee / account holder | $3,128 | $5,470-42.8% | $6,856-54.4% | $5,651-44.7% |