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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 | $28,831 | $150,346-80.8% | $120,524-76.1% | $145,877-80.2% |
| Participation rate | 90.0% | 78.8%+11.2pp | 71.9%+18.1pp | 80.3%+9.7pp |
| Annual return | 12.79% | 154.40%-141.6pp | 107.36%-94.6pp | 551.28%-538.5pp |
| Employer contribution / active EE | $1,028 | $4,353-76.4% | $3,469-70.4% | $4,663-78.0% |
| Participant deferral / active EE | $4,411 | $6,172-28.5% | $4,994-11.7% | $6,691-34.1% |
| Admin fee / account holder | $2,313 | $12,215-81.1% | $9,440-75.5% | $13,402-82.7% |