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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 | $47,090 | $111,785-57.9% | $93,669-49.7% | $145,877-67.7% |
| Participation rate | 80.0% | 74.2%+5.8pp | 68.7%+11.3pp | 80.3%-0.3pp |
| Annual return | 15.32% | 203.79%-188.5pp | 133.59%-118.3pp | 551.28%-536.0pp |
| Employer contribution / active EE | $1,391 | $3,096-55.1% | $2,424-42.6% | $4,663-70.2% |
| Participant deferral / active EE | $4,945 | $4,919+0.5% | $4,416+12.0% | $6,691-26.1% |
| Admin fee / account holder | $5,432 | $10,256-47.0% | $8,291-34.5% | $13,402-59.5% |