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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 | $47,409 | $157,270-69.9% | $141,173-66.4% | $152,870-69.0% |
| Participation rate | 94.4% | 84.8%+9.6pp | 82.5%+12.0pp | 82.4%+12.0pp |
| Annual return | 25.61% | 64.33%-38.7pp | 71.40%-45.8pp | 345.34%-319.7pp |
| Employer contribution / active EE | $2,667 | $5,261-49.3% | $4,735-43.7% | $4,763-44.0% |
| Participant deferral / active EE | $5,924 | $7,110-16.7% | $6,710-11.7% | $5,850+1.3% |
| Admin fee / account holder | $455 | $12,121-96.2% | $10,262-95.6% | $11,597-96.1% |