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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 | $44,424 | $208,088-78.7% | $186,193-76.1% | $154,746-71.3% |
| Participation rate | 94.1% | 80.0%+14.1pp | 77.1%+17.0pp | 80.7%+13.4pp |
| Annual return | 45.80% | 89.97%-44.2pp | 78.03%-32.2pp | 172.34%-126.5pp |
| Employer contribution / active EE | $4,470 | $4,340+3.0% | $3,918+14.1% | $4,379+2.1% |
| Participant deferral / active EE | $10,918 | $7,078+54.2% | $6,513+67.6% | $6,730+62.2% |
| Admin fee / account holder | $7,391 | $11,698-36.8% | $11,058-33.2% | $14,365-48.5% |