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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 | $41,062 | $105,210-61.0% | $159,487-74.3% | $85,851-52.2% |
| Participation rate | 86.0% | 75.8%+10.3pp | 82.8%+3.2pp | 69.3%+16.7pp |
| Annual return | 14.23% | 45.08%-30.9pp | 263.71%-249.5pp | 318.63%-304.4pp |
| Employer contribution / active EE | $3,918 | $3,319+18.1% | $4,831-18.9% | $2,565+52.7% |
| Participant deferral / active EE | $4,333 | $5,946-27.1% | $7,354-41.1% | $3,952+9.6% |
| Admin fee / account holder | $662 | $6,934-90.4% | $10,804-93.9% | $6,261-89.4% |