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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 | $49,319 | $129,737-62.0% | $119,126-58.6% | $154,746-68.1% |
| Participation rate | 90.0% | 78.9%+11.1pp | 75.8%+14.2pp | 80.7%+9.3pp |
| Annual return | 11.77% | 379.08%-367.3pp | 282.11%-270.3pp | 172.34%-160.6pp |
| Employer contribution / active EE | $5,743 | $4,375+31.3% | $4,034+42.4% | $4,379+31.2% |
| Participant deferral / active EE | $3,123 | $5,842-46.5% | $5,318-41.3% | $6,730-53.6% |
| Admin fee / account holder | $7,270 | $11,961-39.2% | $10,693-32.0% | $14,365-49.4% |