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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 | $75,336 | $111,535-32.5% | $105,223-28.4% | $137,256-45.1% |
| Participation rate | 91.3% | 78.1%+13.2pp | 75.0%+16.3pp | 80.0%+11.3pp |
| Annual return | 17.30% | 237.85%-220.6pp | 180.65%-163.3pp | 220.34%-203.0pp |
| Employer contribution / active EE | $5,906 | $3,939+49.9% | $3,689+60.1% | $4,156+42.1% |
| Participant deferral / active EE | $4,885 | $5,500-11.2% | $5,072-3.7% | $6,407-23.7% |
| Admin fee / account holder | $2,362 | $9,721-75.7% | $8,859-73.3% | $12,270-80.8% |