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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 | $29,586 | $115,814-74.5% | $101,275-70.8% | $158,982-81.4% |
| Participation rate | 86.7% | 79.4%+7.3pp | 75.8%+10.9pp | 82.0%+4.7pp |
| Annual return | 13.83% | 56.16%-42.3pp | 46.48%-32.7pp | 302.99%-289.2pp |
| Employer contribution / active EE | $2,120 | $4,176-49.2% | $3,660-42.1% | $4,763-55.5% |
| Participant deferral / active EE | $4,775 | $4,958-3.7% | $4,371+9.3% | $5,983-20.2% |
| Admin fee / account holder | $2,796 | $7,249-61.4% | $5,948-53.0% | $11,252-75.2% |