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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 | $44,338 | $112,935-60.7% | $90,970-51.3% | $158,966-72.1% |
| Participation rate | 80.0% | 74.7%+5.3pp | 69.0%+11.0pp | 82.0%-2.0pp |
| Annual return | 16.10% | 215.79%-199.7pp | 134.58%-118.5pp | 302.95%-286.9pp |
| Employer contribution / active EE | $2,076 | $2,895-28.3% | $2,122-2.2% | $4,762-56.4% |
| Participant deferral / active EE | $8,665 | $4,129+109.9% | $3,373+156.9% | $5,983+44.8% |
| Admin fee / account holder | $946 | $8,045-88.2% | $5,960-84.1% | $11,250-91.6% |