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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 | $40,997 | $111,785-63.3% | $93,669-56.2% | $145,877-71.9% |
| Participation rate | 77.8% | 74.2%+3.5pp | 68.7%+9.1pp | 80.3%-2.5pp |
| Annual return | 11.54% | 203.79%-192.2pp | 133.59%-122.1pp | 551.28%-539.7pp |
| Employer contribution / active EE | $1,929 | $3,096-37.7% | $2,424-20.4% | $4,663-58.6% |
| Participant deferral / active EE | $2,749 | $4,919-44.1% | $4,416-37.7% | $6,691-58.9% |
| Admin fee / account holder | $6,038 | $10,256-41.1% | $8,291-27.2% | $13,402-55.0% |