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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 | $64,196 | $111,535-42.4% | $105,223-39.0% | $137,256-53.2% |
| Participation rate | 83.3% | 78.1%+5.2pp | 75.0%+8.3pp | 80.0%+3.4pp |
| Annual return | 16.33% | 237.85%-221.5pp | 180.65%-164.3pp | 220.34%-204.0pp |
| Employer contribution / active EE | $2,803 | $3,939-28.8% | $3,689-24.0% | $4,156-32.6% |
| Participant deferral / active EE | $3,006 | $5,500-45.3% | $5,072-40.7% | $6,407-53.1% |
| Admin fee / account holder | $5,142 | $9,721-47.1% | $8,859-42.0% | $12,270-58.1% |