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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 | $47,270 | $112,131-57.8% | $95,964-50.7% | $158,982-70.3% |
| Participation rate | 78.3% | 79.0%-0.7pp | 77.1%+1.2pp | 82.0%-3.7pp |
| Annual return | 13.20% | 171.19%-158.0pp | 91.64%-78.4pp | 302.99%-289.8pp |
| Employer contribution / active EE | $819 | $3,199-74.4% | $2,541-67.8% | $4,763-82.8% |
| Participant deferral / active EE | $4,176 | $4,784-12.7% | $4,167+0.2% | $5,983-30.2% |
| Admin fee / account holder | $5,283 | $10,136-47.9% | $6,797-22.3% | $11,252-53.0% |