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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 | $39,260 | $95,406-58.8% | $185,849-78.9% | $85,847-54.3% |
| Participation rate | 77.8% | 68.8%+9.0pp | 81.7%-3.9pp | 69.3%+8.5pp |
| Annual return | 48.72% | 23.59%+25.1pp | 122.10%-73.4pp | 318.61%-269.9pp |
| Employer contribution / active EE | $1,453 | $3,314-56.2% | $5,169-71.9% | $2,565-43.4% |
| Participant deferral / active EE | $3,184 | $3,424-7.0% | $5,569-42.8% | $3,952-19.4% |
| Admin fee / account holder | $5,324 | $7,214-26.2% | $16,244-67.2% | $6,261-15.0% |