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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 | $129,737-63.4% | $119,126-60.2% | $154,746-69.4% |
| Participation rate | 95.2% | 78.9%+16.4pp | 75.8%+19.5pp | 80.7%+14.5pp |
| Annual return | 18.35% | 379.08%-360.7pp | 282.11%-263.8pp | 172.34%-154.0pp |
| Employer contribution / active EE | $4,987 | $4,375+14.0% | $4,034+23.6% | $4,379+13.9% |
| Participant deferral / active EE | $9,804 | $5,842+67.8% | $5,318+84.4% | $6,730+45.7% |
| Admin fee / account holder | $11,161 | $11,961-6.7% | $10,693+4.4% | $14,365-22.3% |