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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 | $49,285 | $99,053-50.2% | $88,179-44.1% | $138,895-64.5% |
| Participation rate | 93.8% | 74.2%+19.5pp | 69.1%+24.6pp | 79.9%+13.8pp |
| Annual return | 19.34% | 78.17%-58.8pp | 64.97%-45.6pp | 145.39%-126.1pp |
| Employer contribution / active EE | $5,828 | $2,882+102.2% | $2,549+128.6% | $4,194+39.0% |
| Participant deferral / active EE | $12,580 | $5,225+140.7% | $4,614+172.7% | $6,396+96.7% |
| Admin fee / account holder | $2,014 | $8,748-77.0% | $7,673-73.7% | $12,562-84.0% |