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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 | $43,117 | $109,411-60.6% | $89,435-51.8% | $158,982-72.9% |
| Participation rate | 92.3% | 74.3%+18.0pp | 68.0%+24.3pp | 82.0%+10.3pp |
| Annual return | 12.31% | 345.68%-333.4pp | 245.55%-233.2pp | 302.99%-290.7pp |
| Employer contribution / active EE | $2,148 | $3,173-32.3% | $2,587-17.0% | $4,763-54.9% |
| Participant deferral / active EE | $4,437 | $4,600-3.5% | $3,890+14.1% | $5,983-25.8% |
| Admin fee / account holder | $482 | $6,159-92.2% | $4,884-90.1% | $11,252-95.7% |