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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 | $53,379 | $232,540-77.0% | $185,117-71.2% | $147,586-63.8% |
| Participation rate | 91.3% | 82.4%+9.0pp | 77.3%+14.0pp | 82.8%+8.5pp |
| Annual return | 13.95% | 43.03%-29.1pp | 40.50%-26.6pp | 578.59%-564.6pp |
| Employer contribution / active EE | $2,335 | $5,195-55.1% | $4,182-44.2% | $4,876-52.1% |
| Participant deferral / active EE | $5,015 | $5,834-14.0% | $5,045-0.6% | $5,439-7.8% |
| Admin fee / account holder | $4,602 | $10,275-55.2% | $8,159-43.6% | $10,886-57.7% |