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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 | $38,320 | $171,492-77.7% | $150,734-74.6% | $198,609-80.7% |
| Participation rate | 90.0% | 81.4%+8.6pp | 78.4%+11.6pp | 82.4%+7.6pp |
| Annual return | 14.95% | 804.70%-789.8pp | 600.81%-585.9pp | 202.70%-187.7pp |
| Employer contribution / active EE | $1,992 | $5,470-63.6% | $4,918-59.5% | $5,055-60.6% |
| Participant deferral / active EE | $5,009 | $6,259-20.0% | $5,610-10.7% | $6,977-28.2% |
| Admin fee / account holder | $18,552 | $17,628+5.2% | $14,905+24.5% | $19,030-2.5% |