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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 | $27,947 | $112,121-75.1% | $95,960-70.9% | $158,966-82.4% |
| Participation rate | 90.0% | 79.0%+11.0pp | 77.1%+12.9pp | 82.0%+8.0pp |
| Annual return | 19.82% | 171.16%-151.3pp | 91.63%-71.8pp | 302.95%-283.1pp |
| Employer contribution / active EE | $1,598 | $3,199-50.1% | $2,541-37.1% | $4,762-66.5% |
| Participant deferral / active EE | $5,875 | $4,784+22.8% | $4,167+41.0% | $5,983-1.8% |
| Admin fee / account holder | $442 | $10,135-95.6% | $6,797-93.5% | $11,250-96.1% |