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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 | $108,030 | $162,529-33.5% | $130,788-17.4% | $154,746-30.2% |
| Participation rate | 76.5% | 75.9%+0.6pp | 70.1%+6.4pp | 80.7%-4.2pp |
| Annual return | 19.62% | 510.48%-490.9pp | 386.44%-366.8pp | 172.34%-152.7pp |
| Employer contribution / active EE | $2,199 | $4,447-50.5% | $3,558-38.2% | $4,379-49.8% |
| Participant deferral / active EE | $4,548 | $4,808-5.4% | $4,137+9.9% | $6,730-32.4% |
| Admin fee / account holder | $4,221 | $7,669-45.0% | $6,673-36.7% | $14,365-70.6% |