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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 | $48,459 | $109,967-55.9% | $97,197-50.1% | $145,877-66.8% |
| Participation rate | 93.3% | 76.0%+17.4pp | 72.7%+20.6pp | 80.3%+13.0pp |
| Annual return | 10.87% | 244.27%-233.4pp | 75.47%-64.6pp | 551.28%-540.4pp |
| Employer contribution / active EE | $2,544 | $3,077-17.3% | $2,723-6.6% | $4,663-45.4% |
| Participant deferral / active EE | $8,652 | $4,676+85.0% | $4,263+102.9% | $6,691+29.3% |
| Admin fee / account holder | $563 | $6,199-90.9% | $5,637-90.0% | $13,402-95.8% |