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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 | $53,450 | $129,737-58.8% | $119,126-55.1% | $154,746-65.5% |
| Participation rate | 81.8% | 78.9%+3.0pp | 75.8%+6.1pp | 80.7%+1.1pp |
| Annual return | 14.44% | 379.08%-364.6pp | 282.11%-267.7pp | 172.34%-157.9pp |
| Employer contribution / active EE | $3,403 | $4,375-22.2% | $4,034-15.6% | $4,379-22.3% |
| Participant deferral / active EE | $6,104 | $5,842+4.5% | $5,318+14.8% | $6,730-9.3% |
| Admin fee / account holder | $5,173 | $11,961-56.7% | $10,693-51.6% | $14,365-64.0% |