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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 | $129,737-70.5% | $119,126-67.8% | $154,746-75.2% |
| Participation rate | 90.0% | 78.9%+11.1pp | 75.8%+14.2pp | 80.7%+9.3pp |
| Annual return | 14.95% | 379.08%-364.1pp | 282.11%-267.2pp | 172.34%-157.4pp |
| Employer contribution / active EE | $1,992 | $4,375-54.5% | $4,034-50.6% | $4,379-54.5% |
| Participant deferral / active EE | $5,009 | $5,842-14.3% | $5,318-5.8% | $6,730-25.6% |
| Admin fee / account holder | $18,552 | $11,961+55.1% | $10,693+73.5% | $14,365+29.1% |