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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 | $46,225 | $48,011-3.7% | $63,803-27.6% | $82,637-44.1% |
| Participation rate | 77.8% | 66.6%+11.2pp | 72.7%+5.1pp | 68.1%+9.7pp |
| Annual return | 63.41% | 19.84%+43.6pp | 543.72%-480.3pp | 53.51%+9.9pp |
| Employer contribution / active EE | $2,340 | $1,904+22.9% | $2,532-7.6% | $2,552-8.3% |
| Participant deferral / active EE | $3,959 | $2,846+39.1% | $3,843+3.0% | $4,126-4.1% |
| Admin fee / account holder | $7,258 | $3,873+87.4% | $5,196+39.7% | $7,339-1.1% |