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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 | $48,397 | $157,276-69.2% | $141,177-65.7% | $152,885-68.3% |
| Participation rate | 90.0% | 84.8%+5.2pp | 82.5%+7.5pp | 82.5%+7.5pp |
| Annual return | 19.64% | 64.33%-44.7pp | 71.40%-51.8pp | 345.39%-325.7pp |
| Employer contribution / active EE | $3,732 | $5,262-29.1% | $4,736-21.2% | $4,763-21.6% |
| Participant deferral / active EE | $8,916 | $7,110+25.4% | $6,710+32.9% | $5,851+52.4% |
| Admin fee / account holder | $4,718 | $12,123-61.1% | $10,263-54.0% | $11,598-59.3% |