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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 | $48,985 | $129,737-62.2% | $119,126-58.9% | $154,746-68.3% |
| Participation rate | 90.9% | 78.9%+12.1pp | 75.8%+15.1pp | 80.7%+10.2pp |
| Annual return | 14.86% | 379.08%-364.2pp | 282.11%-267.2pp | 172.34%-157.5pp |
| Employer contribution / active EE | $2,321 | $4,375-47.0% | $4,034-42.5% | $4,379-47.0% |
| Participant deferral / active EE | $9,390 | $5,842+60.7% | $5,318+76.6% | $6,730+39.5% |
| Admin fee / account holder | $8,463 | $11,961-29.2% | $10,693-20.9% | $14,365-41.1% |