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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 | $40,648 | $217,432-81.3% | $185,849-78.1% | $167,536-75.7% |
| Participation rate | 77.8% | 86.1%-8.3pp | 81.7%-3.9pp | 82.1%-4.3pp |
| Annual return | 15.98% | 148.42%-132.4pp | 122.10%-106.1pp | 478.82%-462.8pp |
| Employer contribution / active EE | $1,364 | $5,875-76.8% | $5,169-73.6% | $4,839-71.8% |
| Participant deferral / active EE | $3,737 | $6,357-41.2% | $5,569-32.9% | $6,342-41.1% |
| Admin fee / account holder | $872 | $19,818-95.6% | $16,244-94.6% | $12,315-92.9% |