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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 | $37,676 | $111,535-66.2% | $105,223-64.2% | $137,256-72.6% |
| Participation rate | 87.5% | 78.1%+9.4pp | 75.0%+12.5pp | 80.0%+7.5pp |
| Annual return | 18.85% | 237.85%-219.0pp | 180.65%-161.8pp | 220.34%-201.5pp |
| Employer contribution / active EE | $2,388 | $3,939-39.4% | $3,689-35.3% | $4,156-42.5% |
| Participant deferral / active EE | $4,019 | $5,500-26.9% | $5,072-20.8% | $6,407-37.3% |
| Admin fee / account holder | $5,015 | $9,721-48.4% | $8,859-43.4% | $12,270-59.1% |