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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 | $47,419 | $111,535-57.5% | $105,223-54.9% | $137,256-65.5% |
| Participation rate | 95.2% | 78.1%+17.1pp | 75.0%+20.2pp | 80.0%+15.3pp |
| Annual return | 18.35% | 237.85%-219.5pp | 180.65%-162.3pp | 220.34%-202.0pp |
| Employer contribution / active EE | $4,987 | $3,939+26.6% | $3,689+35.2% | $4,156+20.0% |
| Participant deferral / active EE | $9,804 | $5,500+78.3% | $5,072+93.3% | $6,407+53.0% |
| Admin fee / account holder | $11,161 | $9,721+14.8% | $8,859+26.0% | $12,270-9.0% |