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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 | $45,270 | $111,535-59.4% | $105,223-57.0% | $137,256-67.0% |
| Participation rate | 90.5% | 78.1%+12.4pp | 75.0%+15.4pp | 80.0%+10.5pp |
| Annual return | 16.60% | 237.85%-221.3pp | 180.65%-164.0pp | 220.34%-203.7pp |
| Employer contribution / active EE | $2,048 | $3,939-48.0% | $3,689-44.5% | $4,156-50.7% |
| Participant deferral / active EE | $3,901 | $5,500-29.1% | $5,072-23.1% | $6,407-39.1% |
| Admin fee / account holder | $9,641 | $9,721-0.8% | $8,859+8.8% | $12,270-21.4% |