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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 | $21,786 | $111,830-80.5% | $93,696-76.7% | $145,884-85.1% |
| Participation rate | 81.0% | 74.2%+6.7pp | 68.7%+12.2pp | 80.3%+0.6pp |
| Annual return | 13.40% | 204.08%-190.7pp | 133.74%-120.3pp | 551.85%-538.4pp |
| Employer contribution / active EE | $1,063 | $3,093-65.6% | $2,422-56.1% | $4,662-77.2% |
| Participant deferral / active EE | $5,722 | $4,920+16.3% | $4,417+29.6% | $6,690-14.5% |
| Admin fee / account holder | $1,701 | $10,249-83.4% | $8,287-79.5% | $13,392-87.3% |