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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 | $129,737-65.1% | $119,126-62.0% | $154,746-70.7% |
| Participation rate | 90.5% | 78.9%+11.6pp | 75.8%+14.7pp | 80.7%+9.8pp |
| Annual return | 16.60% | 379.08%-362.5pp | 282.11%-265.5pp | 172.34%-155.7pp |
| Employer contribution / active EE | $2,048 | $4,375-53.2% | $4,034-49.2% | $4,379-53.2% |
| Participant deferral / active EE | $3,901 | $5,842-33.2% | $5,318-26.7% | $6,730-42.0% |
| Admin fee / account holder | $9,641 | $11,961-19.4% | $10,693-9.8% | $14,365-32.9% |