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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 | $15,270 | $100,139-84.8% | $85,187-82.1% | $145,884-89.5% |
| Participation rate | 90.9% | 74.1%+16.8pp | 67.5%+23.4pp | 80.3%+10.6pp |
| Annual return | 19.34% | 84.15%-64.8pp | 66.67%-47.3pp | 551.85%-532.5pp |
| Employer contribution / active EE | $1,613 | $3,238-50.2% | $2,732-41.0% | $4,662-65.4% |
| Participant deferral / active EE | $4,708 | $5,296-11.1% | $4,525+4.1% | $6,690-29.6% |
| Admin fee / account holder | $1,396 | $7,262-80.8% | $6,162-77.4% | $13,392-89.6% |