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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 | $52,809 | $70,366-25.0% | $66,674-20.8% | $138,895-62.0% |
| Participation rate | 85.7% | 76.2%+9.5pp | 73.7%+12.0pp | 79.9%+5.8pp |
| Annual return | 21.70% | 386.41%-364.7pp | 321.24%-299.5pp | 145.39%-123.7pp |
| Employer contribution / active EE | $3,886 | $2,765+40.6% | $2,620+48.3% | $4,194-7.3% |
| Participant deferral / active EE | $11,530 | $4,374+163.6% | $4,084+182.3% | $6,396+80.3% |
| Admin fee / account holder | $2,230 | $5,262-57.6% | $5,098-56.3% | $12,562-82.3% |