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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 | $53,424 | $114,119-53.2% | $107,187-50.2% | $138,895-61.5% |
| Participation rate | 88.2% | 78.1%+10.2pp | 75.0%+13.2pp | 79.9%+8.3pp |
| Annual return | 20.40% | 273.21%-252.8pp | 204.55%-184.2pp | 145.39%-125.0pp |
| Employer contribution / active EE | $2,322 | $4,059-42.8% | $3,782-38.6% | $4,194-44.6% |
| Participant deferral / active EE | $5,123 | $5,538-7.5% | $5,096+0.5% | $6,396-19.9% |
| Admin fee / account holder | $7,369 | $10,024-26.5% | $9,162-19.6% | $12,562-41.3% |