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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 | $43,115 | $176,105-75.5% | $159,474-73.0% | $167,536-74.3% |
| Participation rate | 70.0% | 85.0%-15.0pp | 82.8%-12.8pp | 82.1%-12.1pp |
| Annual return | 12.87% | 331.91%-319.0pp | 263.68%-250.8pp | 478.82%-466.0pp |
| Employer contribution / active EE | $3,124 | $5,299-41.0% | $4,831-35.3% | $4,839-35.4% |
| Participant deferral / active EE | $5,731 | $7,751-26.1% | $7,353-22.1% | $6,342-9.6% |
| Admin fee / account holder | $490 | $12,559-96.1% | $10,802-95.5% | $12,315-96.0% |