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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 | $50,316 | $95,406-47.3% | $185,849-72.9% | $85,847-41.4% |
| Participation rate | 76.7% | 68.8%+8.0pp | 81.7%-5.0pp | 69.3%+7.4pp |
| Annual return | 18.73% | 23.59%-4.9pp | 122.10%-103.4pp | 318.61%-299.9pp |
| Employer contribution / active EE | $4,124 | $3,314+24.4% | $5,169-20.2% | $2,565+60.7% |
| Participant deferral / active EE | $2,868 | $3,424-16.2% | $5,569-48.5% | $3,952-27.4% |
| Admin fee / account holder | $422 | $7,214-94.1% | $16,244-97.4% | $6,261-93.3% |