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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 | $57,050 | $107,363-46.9% | $92,909-38.6% | $152,897-62.7% |
| Participation rate | 89.5% | 79.8%+9.7pp | 76.0%+13.5pp | 82.5%+7.0pp |
| Annual return | 16.65% | 145.63%-129.0pp | 109.44%-92.8pp | 345.43%-328.8pp |
| Employer contribution / active EE | $1,276 | $4,222-69.8% | $3,653-65.1% | $4,764-73.2% |
| Participant deferral / active EE | $2,817 | $4,848-41.9% | $4,238-33.5% | $5,851-51.9% |
| Admin fee / account holder | $8,444 | $7,082+19.2% | $5,795+45.7% | $11,599-27.2% |