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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 | $40,251 | $124,330-67.6% | $109,173-63.1% | $167,536-76.0% |
| Participation rate | 81.8% | 79.5%+2.4pp | 75.9%+5.9pp | 82.1%-0.3pp |
| Annual return | 16.09% | 26.04%-10.0pp | 25.75%-9.7pp | 478.82%-462.7pp |
| Employer contribution / active EE | $7,559 | $4,209+79.6% | $3,723+103.1% | $4,839+56.2% |
| Participant deferral / active EE | $3,649 | $5,256-30.6% | $4,654-21.6% | $6,342-42.5% |
| Admin fee / account holder | $457 | $7,974-94.3% | $6,755-93.2% | $12,315-96.3% |