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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 | $45,257 | $121,701-62.8% | $104,639-56.7% | $158,982-71.5% |
| Participation rate | 93.3% | 77.5%+15.8pp | 74.1%+19.3pp | 82.0%+11.4pp |
| Annual return | 14.20% | 465.72%-451.5pp | 340.67%-326.5pp | 302.99%-288.8pp |
| Employer contribution / active EE | $1,592 | $3,165-49.7% | $2,682-40.6% | $4,763-66.6% |
| Participant deferral / active EE | $2,690 | $4,176-35.6% | $3,738-28.0% | $5,983-55.0% |
| Admin fee / account holder | $9,134 | $7,778+17.4% | $6,465+41.3% | $11,252-18.8% |