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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 | $17,206 | $114,093-84.9% | $96,171-82.1% | $167,536-89.7% |
| Participation rate | 95.2% | 75.1%+20.2pp | 68.4%+26.8pp | 82.1%+13.1pp |
| Annual return | 15.04% | 190.00%-175.0pp | 192.04%-177.0pp | 478.82%-463.8pp |
| Employer contribution / active EE | $2,422 | $3,429-29.4% | $2,799-13.4% | $4,839-49.9% |
| Participant deferral / active EE | $3,276 | $5,197-37.0% | $4,350-24.7% | $6,342-48.3% |
| Admin fee / account holder | $541 | $6,899-92.2% | $5,538-90.2% | $12,315-95.6% |