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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 | $43,679 | $111,535-60.8% | $105,223-58.5% | $137,256-68.2% |
| Participation rate | 83.3% | 78.1%+5.2pp | 75.0%+8.3pp | 80.0%+3.4pp |
| Annual return | 14.49% | 237.85%-223.4pp | 180.65%-166.2pp | 220.34%-205.9pp |
| Employer contribution / active EE | $3,400 | $3,939-13.7% | $3,689-7.8% | $4,156-18.2% |
| Participant deferral / active EE | $6,115 | $5,500+11.2% | $5,072+20.6% | $6,407-4.6% |
| Admin fee / account holder | $1,525 | $9,721-84.3% | $8,859-82.8% | $12,270-87.6% |