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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 | $18,851 | $104,953-82.0% | $84,637-77.7% | $152,909-87.7% |
| Participation rate | 85.0% | 74.8%+10.2pp | 68.2%+16.8pp | 82.5%+2.5pp |
| Annual return | 19.48% | 373.94%-354.5pp | 258.82%-239.3pp | 345.46%-326.0pp |
| Employer contribution / active EE | $1,203 | $3,304-63.6% | $2,653-54.7% | $4,764-74.7% |
| Participant deferral / active EE | $3,696 | $4,691-21.2% | $3,900-5.2% | $5,851-36.8% |
| Admin fee / account holder | $6,704 | $6,244+7.4% | $4,914+36.4% | $11,601-42.2% |