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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 | $150,412-80.8% | $120,574-76.1% | $145,884-80.2% |
| Participation rate | 90.0% | 78.8%+11.2pp | 71.9%+18.1pp | 80.3%+9.7pp |
| Annual return | 12.79% | 154.50%-141.7pp | 107.42%-94.6pp | 551.85%-539.1pp |
| Employer contribution / active EE | $1,028 | $4,355-76.4% | $3,471-70.4% | $4,662-77.9% |
| Participant deferral / active EE | $4,411 | $6,175-28.6% | $4,996-11.7% | $6,690-34.1% |
| Admin fee / account holder | $2,313 | $12,224-81.1% | $9,445-75.5% | $13,392-82.7% |