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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 | $25,804 | $111,814-76.9% | $93,654-72.4% | $145,959-82.3% |
| Participation rate | 84.6% | 74.2%+10.4pp | 68.7%+15.9pp | 80.3%+4.3pp |
| Annual return | 13.90% | 203.30%-189.4pp | 133.34%-119.4pp | 561.95%-548.0pp |
| Employer contribution / active EE | $1,857 | $3,092-39.9% | $2,421-23.3% | $4,661-60.2% |
| Participant deferral / active EE | $1,855 | $4,914-62.3% | $4,413-58.0% | $6,689-72.3% |
| Admin fee / account holder | $2,278 | $10,246-77.8% | $8,282-72.5% | $13,398-83.0% |