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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 | $45,247 | $100,004-54.8% | $81,438-44.4% | $145,959-69.0% |
| Participation rate | 77.8% | 74.2%+3.6pp | 69.5%+8.3pp | 80.3%-2.5pp |
| Annual return | 10.77% | 34.34%-23.6pp | 24.74%-14.0pp | 561.95%-551.2pp |
| Employer contribution / active EE | $4,978 | $2,970+67.6% | $2,460+102.3% | $4,661+6.8% |
| Participant deferral / active EE | $11,180 | $4,603+142.9% | $3,883+187.9% | $6,689+67.2% |
| Admin fee / account holder | $5,555 | $8,202-32.3% | $5,764-3.6% | $13,398-58.5% |