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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 | $42,300 | $105,160-59.8% | $94,679-55.3% | $139,456-69.7% |
| Participation rate | 90.0% | 82.4%+7.6pp | 80.8%+9.2pp | 80.3%+9.7pp |
| Annual return | 18.02% | 38.04%-20.0pp | 156.75%-138.7pp | 373.45%-355.4pp |
| Employer contribution / active EE | $2,854 | $4,107-30.5% | $3,673-22.3% | $4,753-39.9% |
| Participant deferral / active EE | $5,245 | $7,599-31.0% | $7,417-29.3% | $6,711-21.9% |
| Admin fee / account holder | $460 | $8,988-94.9% | $7,233-93.6% | $11,407-96.0% |