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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 | $111,535-65.6% | $105,223-63.6% | $137,256-72.1% |
| Participation rate | 90.0% | 78.1%+11.9pp | 75.0%+15.0pp | 80.0%+10.0pp |
| Annual return | 14.95% | 237.85%-222.9pp | 180.65%-165.7pp | 220.34%-205.4pp |
| Employer contribution / active EE | $1,992 | $3,939-49.4% | $3,689-46.0% | $4,156-52.1% |
| Participant deferral / active EE | $5,009 | $5,500-8.9% | $5,072-1.2% | $6,407-21.8% |
| Admin fee / account holder | $18,552 | $9,721+90.8% | $8,859+109.4% | $12,270+51.2% |