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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 | $41,768 | $111,535-62.6% | $105,223-60.3% | $137,256-69.6% |
| Participation rate | 94.1% | 78.1%+16.0pp | 75.0%+19.1pp | 80.0%+14.2pp |
| Annual return | 21.82% | 237.85%-216.0pp | 180.65%-158.8pp | 220.34%-198.5pp |
| Employer contribution / active EE | $6,362 | $3,939+61.5% | $3,689+72.5% | $4,156+53.1% |
| Participant deferral / active EE | $8,606 | $5,500+56.5% | $5,072+69.7% | $6,407+34.3% |
| Admin fee / account holder | $4,640 | $9,721-52.3% | $8,859-47.6% | $12,270-62.2% |