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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 | $34,795 | $149,040-76.7% | $120,225-71.1% | $137,256-74.6% |
| Participation rate | 77.8% | 75.4%+2.4pp | 69.6%+8.2pp | 80.0%-2.2pp |
| Annual return | 17.25% | 605.68%-588.4pp | 439.23%-422.0pp | 220.34%-203.1pp |
| Employer contribution / active EE | $1,116 | $4,350-74.3% | $3,475-67.9% | $4,156-73.1% |
| Participant deferral / active EE | $3,881 | $4,655-16.6% | $3,999-3.0% | $6,407-39.4% |
| Admin fee / account holder | $946 | $6,348-85.1% | $5,696-83.4% | $12,270-92.3% |