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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 | $49,877 | $90,530-44.9% | $76,030-34.4% | $145,897-65.8% |
| Participation rate | 78.3% | 74.4%+3.8pp | 69.1%+9.2pp | 80.3%-2.0pp |
| Annual return | 14.20% | 625.08%-610.9pp | 361.54%-347.3pp | 552.29%-538.1pp |
| Employer contribution / active EE | $2,086 | $3,319-37.2% | $2,688-22.4% | $4,663-55.3% |
| Participant deferral / active EE | $5,210 | $5,164+0.9% | $4,257+22.4% | $6,689-22.1% |
| Admin fee / account holder | $3,496 | $8,383-58.3% | $6,421-45.6% | $13,390-73.9% |