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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 | $54,217 | $88,672-38.9% | $105,223-48.5% | $82,448-34.2% |
| Participation rate | 86.5% | 67.9%+18.5pp | 75.0%+11.4pp | 68.1%+18.4pp |
| Annual return | 17.71% | 30.86%-13.1pp | 180.65%-162.9pp | 41.64%-23.9pp |
| Employer contribution / active EE | $15,718 | $3,048+415.7% | $3,689+326.1% | $2,551+516.2% |
| Participant deferral / active EE | $3,510 | $4,036-13.0% | $5,072-30.8% | $4,139-15.2% |
| Admin fee / account holder | $4,799 | $7,146-32.9% | $8,859-45.8% | $7,234-33.7% |