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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 | $46,042 | $95,601-51.8% | $77,183-40.3% | $139,456-67.0% |
| Participation rate | 90.0% | 74.0%+16.0pp | 69.6%+20.4pp | 80.3%+9.7pp |
| Annual return | 15.79% | 54.96%-39.2pp | 37.89%-22.1pp | 373.45%-357.7pp |
| Employer contribution / active EE | $4,373 | $3,145+39.0% | $2,534+72.6% | $4,753-8.0% |
| Participant deferral / active EE | $10,852 | $4,623+134.8% | $3,833+183.1% | $6,711+61.7% |
| Admin fee / account holder | $585 | $8,302-93.0% | $5,475-89.3% | $11,407-94.9% |