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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 | $111,830-57.9% | $93,696-49.7% | $145,884-67.7% |
| Participation rate | 80.0% | 74.2%+5.8pp | 68.7%+11.3pp | 80.3%-0.3pp |
| Annual return | 15.32% | 204.08%-188.8pp | 133.74%-118.4pp | 551.85%-536.5pp |
| Employer contribution / active EE | $1,391 | $3,093-55.0% | $2,422-42.6% | $4,662-70.2% |
| Participant deferral / active EE | $4,945 | $4,920+0.5% | $4,417+12.0% | $6,690-26.1% |
| Admin fee / account holder | $5,432 | $10,249-47.0% | $8,287-34.4% | $13,392-59.4% |