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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 | $51,135 | $111,535-54.2% | $105,223-51.4% | $137,256-62.7% |
| Participation rate | 81.3% | 78.1%+3.2pp | 75.0%+6.2pp | 80.0%+1.3pp |
| Annual return | 15.93% | 237.85%-221.9pp | 180.65%-164.7pp | 220.34%-204.4pp |
| Employer contribution / active EE | $2,253 | $3,939-42.8% | $3,689-38.9% | $4,156-45.8% |
| Participant deferral / active EE | $5,960 | $5,500+8.4% | $5,072+17.5% | $6,407-7.0% |
| Admin fee / account holder | $4,666 | $9,721-52.0% | $8,859-47.3% | $12,270-62.0% |