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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 | $40,840 | $100,203-59.2% | $85,240-52.1% | $145,897-72.0% |
| Participation rate | 75.0% | 74.1%+0.9pp | 67.5%+7.5pp | 80.3%-5.3pp |
| Annual return | 18.06% | 84.28%-66.2pp | 66.75%-48.7pp | 552.29%-534.2pp |
| Employer contribution / active EE | $4,646 | $3,242+43.3% | $2,735+69.9% | $4,663-0.4% |
| Participant deferral / active EE | $10,986 | $5,299+107.3% | $4,527+142.7% | $6,689+64.2% |
| Admin fee / account holder | $3,210 | $7,265-55.8% | $6,165-47.9% | $13,390-76.0% |