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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 | $11,148 | $109,908-89.9% | $97,161-88.5% | $145,978-92.4% |
| Participation rate | 95.7% | 75.9%+19.7pp | 72.7%+23.0pp | 80.3%+15.4pp |
| Annual return | 17.52% | 243.80%-226.3pp | 75.36%-57.8pp | 550.52%-533.0pp |
| Employer contribution / active EE | $1,492 | $3,077-51.5% | $2,723-45.2% | $4,662-68.0% |
| Participant deferral / active EE | $2,845 | $4,679-39.2% | $4,265-33.3% | $6,690-57.5% |
| Admin fee / account holder | $368 | $6,213-94.1% | $5,647-93.5% | $13,400-97.3% |