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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 | $44,208 | $165,399-73.3% | $149,745-70.5% | $158,982-72.2% |
| Participation rate | 95.0% | 84.6%+10.4pp | 82.5%+12.5pp | 82.0%+13.0pp |
| Annual return | 12.10% | 348.34%-336.2pp | 276.72%-264.6pp | 302.99%-290.9pp |
| Employer contribution / active EE | $2,475 | $5,105-51.5% | $4,646-46.7% | $4,763-48.0% |
| Participant deferral / active EE | $5,047 | $7,183-29.7% | $6,843-26.2% | $5,983-15.7% |
| Admin fee / account holder | $5,969 | $10,811-44.8% | $9,312-35.9% | $11,252-46.9% |