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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 | $35,208 | $109,344-67.8% | $89,400-60.6% | $158,950-77.8% |
| Participation rate | 72.7% | 74.3%-1.5pp | 68.0%+4.7pp | 82.0%-9.2pp |
| Annual return | 18.39% | 345.73%-327.3pp | 245.64%-227.2pp | 302.91%-284.5pp |
| Employer contribution / active EE | $1,204 | $3,170-62.0% | $2,586-53.4% | $4,762-74.7% |
| Participant deferral / active EE | $4,000 | $4,599-13.0% | $3,890+2.8% | $5,983-33.1% |
| Admin fee / account holder | $2,347 | $6,154-61.9% | $4,882-51.9% | $11,248-79.1% |