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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 | $30,584 | $90,691-66.3% | $76,119-59.8% | $145,884-79.0% |
| Participation rate | 75.0% | 74.5%+0.5pp | 69.1%+5.9pp | 80.3%-5.3pp |
| Annual return | 11.42% | 624.52%-613.1pp | 361.25%-349.8pp | 551.85%-540.4pp |
| Employer contribution / active EE | $1,028 | $3,329-69.1% | $2,693-61.8% | $4,662-78.0% |
| Participant deferral / active EE | $5,348 | $5,167+3.5% | $4,259+25.6% | $6,690-20.1% |
| Admin fee / account holder | $929 | $8,383-88.9% | $6,421-85.5% | $13,392-93.1% |