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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 | $49,335 | $105,200-53.1% | $159,474-69.1% | $85,847-42.5% |
| Participation rate | 92.9% | 75.8%+17.1pp | 82.8%+10.0pp | 69.3%+23.5pp |
| Annual return | 13.78% | 45.08%-31.3pp | 263.68%-249.9pp | 318.61%-304.8pp |
| Employer contribution / active EE | $1,661 | $3,319-50.0% | $4,831-65.6% | $2,565-35.3% |
| Participant deferral / active EE | $3,988 | $5,946-32.9% | $7,353-45.8% | $3,952+0.9% |
| Admin fee / account holder | $4,922 | $6,934-29.0% | $10,802-54.4% | $6,261-21.4% |