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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 | $19,771 | $111,878-82.3% | $93,727-78.9% | $145,897-86.4% |
| Participation rate | 71.4% | 74.2%-2.8pp | 68.7%+2.7pp | 80.3%-8.9pp |
| Annual return | 13.88% | 204.28%-190.4pp | 133.83%-120.0pp | 552.29%-538.4pp |
| Employer contribution / active EE | $1,456 | $3,092-52.9% | $2,421-39.9% | $4,663-68.8% |
| Participant deferral / active EE | $4,775 | $4,920-2.9% | $4,417+8.1% | $6,689-28.6% |
| Admin fee / account holder | $453 | $10,256-95.6% | $8,292-94.5% | $13,390-96.6% |