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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 | $111,535-56.1% | $105,223-53.4% | $137,256-64.3% |
| Participation rate | 90.9% | 78.1%+12.8pp | 75.0%+15.9pp | 80.0%+10.9pp |
| Annual return | 14.86% | 237.85%-223.0pp | 180.65%-165.8pp | 220.34%-205.5pp |
| Employer contribution / active EE | $2,321 | $3,939-41.1% | $3,689-37.1% | $4,156-44.2% |
| Participant deferral / active EE | $9,390 | $5,500+70.7% | $5,072+85.1% | $6,407+46.6% |
| Admin fee / account holder | $8,463 | $9,721-12.9% | $8,859-4.5% | $12,270-31.0% |