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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 | $50,462 | $176,077-71.3% | $159,455-68.4% | $167,518-69.9% |
| Participation rate | 87.5% | 84.9%+2.6pp | 82.8%+4.7pp | 82.1%+5.4pp |
| Annual return | 16.23% | 331.83%-315.6pp | 263.63%-247.4pp | 478.71%-462.5pp |
| Employer contribution / active EE | $1,324 | $5,298-75.0% | $4,830-72.6% | $4,838-72.6% |
| Participant deferral / active EE | $10,522 | $7,751+35.7% | $7,353+43.1% | $6,342+65.9% |
| Admin fee / account holder | $2,832 | $12,556-77.4% | $10,800-73.8% | $12,312-77.0% |