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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 | $42,848 | $111,830-61.7% | $93,696-54.3% | $145,884-70.6% |
| Participation rate | 81.8% | 74.2%+7.6pp | 68.7%+13.1pp | 80.3%+1.5pp |
| Annual return | 16.53% | 204.08%-187.6pp | 133.74%-117.2pp | 551.85%-535.3pp |
| Employer contribution / active EE | $2,255 | $3,093-27.1% | $2,422-6.9% | $4,662-51.6% |
| Participant deferral / active EE | $5,464 | $4,920+11.1% | $4,417+23.7% | $6,690-18.3% |
| Admin fee / account holder | $13,629 | $10,249+33.0% | $8,287+64.5% | $13,392+1.8% |