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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 | $40,999 | $157,276-73.9% | $141,177-71.0% | $152,885-73.2% |
| Participation rate | 92.9% | 84.8%+8.0pp | 82.5%+10.4pp | 82.5%+10.4pp |
| Annual return | 25.37% | 64.33%-39.0pp | 71.40%-46.0pp | 345.39%-320.0pp |
| Employer contribution / active EE | $4,546 | $5,262-13.6% | $4,736-4.0% | $4,763-4.6% |
| Participant deferral / active EE | $4,549 | $7,110-36.0% | $6,710-32.2% | $5,851-22.3% |
| Admin fee / account holder | $4,335 | $12,123-64.2% | $10,263-57.8% | $11,598-62.6% |