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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 | $52,487 | $65,423-19.8% | $98,477-46.7% | $85,856-38.9% |
| Participation rate | 80.0% | 65.0%+15.0pp | 73.3%+6.7pp | 69.3%+10.7pp |
| Annual return | 14.33% | 21.76%-7.4pp | 1493.59%-1479.3pp | 318.58%-304.3pp |
| Employer contribution / active EE | $2,229 | $2,168+2.8% | $2,961-24.7% | $2,565-13.1% |
| Participant deferral / active EE | $5,206 | $3,167+64.4% | $4,276+21.7% | $3,952+31.7% |
| Admin fee / account holder | $3,702 | $4,594-19.4% | $5,951-37.8% | $6,261-40.9% |