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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 | $30,148 | $107,363-71.9% | $92,909-67.6% | $152,897-80.3% |
| Participation rate | 95.7% | 79.8%+15.9pp | 76.0%+19.6pp | 82.5%+13.2pp |
| Annual return | 23.28% | 145.63%-122.3pp | 109.44%-86.2pp | 345.43%-322.2pp |
| Employer contribution / active EE | $2,731 | $4,222-35.3% | $3,653-25.2% | $4,764-42.7% |
| Participant deferral / active EE | $5,023 | $4,848+3.6% | $4,238+18.5% | $5,851-14.1% |
| Admin fee / account holder | $4,638 | $7,082-34.5% | $5,795-20.0% | $11,599-60.0% |