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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 | $45,775 | $102,385-55.3% | $147,080-68.9% | $80,935-43.4% |
| Participation rate | 95.5% | 75.9%+19.7pp | 82.2%+13.3pp | 67.7%+27.9pp |
| Annual return | 17.45% | 135.09%-117.6pp | 420.17%-402.7pp | 35.66%-18.2pp |
| Employer contribution / active EE | $3,939 | $3,717+6.0% | $4,933-20.2% | $2,757+42.9% |
| Participant deferral / active EE | $6,711 | $6,651+0.9% | $8,066-16.8% | $4,299+56.1% |
| Admin fee / account holder | $2,270 | $7,951-71.4% | $12,989-82.5% | $6,924-67.2% |