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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 | $45,864 | $115,796-60.4% | $101,264-54.7% | $158,950-71.1% |
| Participation rate | 87.5% | 79.4%+8.1pp | 75.8%+11.7pp | 82.0%+5.5pp |
| Annual return | 14.11% | 56.15%-42.0pp | 46.48%-32.4pp | 302.91%-288.8pp |
| Employer contribution / active EE | $1,716 | $4,175-58.9% | $3,660-53.1% | $4,762-64.0% |
| Participant deferral / active EE | $5,329 | $4,958+7.5% | $4,370+21.9% | $5,983-10.9% |
| Admin fee / account holder | $4,708 | $7,247-35.0% | $5,947-20.8% | $11,248-58.1% |