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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 | $52,493 | $165,381-68.3% | $149,730-64.9% | $158,966-67.0% |
| Participation rate | 87.5% | 84.6%+2.9pp | 82.5%+5.0pp | 82.0%+5.5pp |
| Annual return | 14.73% | 348.29%-333.6pp | 276.70%-262.0pp | 302.95%-288.2pp |
| Employer contribution / active EE | $4,604 | $5,104-9.8% | $4,645-0.9% | $4,762-3.3% |
| Participant deferral / active EE | $5,391 | $7,182-24.9% | $6,843-21.2% | $5,983-9.9% |
| Admin fee / account holder | $14,971 | $10,809+38.5% | $9,310+60.8% | $11,250+33.1% |