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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 | $45,224 | $70,366-35.7% | $66,674-32.2% | $138,895-67.4% |
| Participation rate | 90.0% | 76.2%+13.8pp | 73.7%+16.3pp | 79.9%+10.1pp |
| Annual return | 16.96% | 386.41%-369.4pp | 321.24%-304.3pp | 145.39%-128.4pp |
| Employer contribution / active EE | $2,673 | $2,765-3.3% | $2,620+2.0% | $4,194-36.3% |
| Participant deferral / active EE | $4,141 | $4,374-5.3% | $4,084+1.4% | $6,396-35.3% |
| Admin fee / account holder | $1,799 | $5,262-65.8% | $5,098-64.7% | $12,562-85.7% |