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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 | $40,589 | $53,063-23.5% | $124,206-67.3% | $82,637-50.9% |
| Participation rate | 71.8% | 58.4%+13.4pp | 69.6%+2.2pp | 68.1%+3.7pp |
| Annual return | 19.86% | 68.87%-49.0pp | 515.27%-495.4pp | 53.51%-33.6pp |
| Employer contribution / active EE | $1,245 | $1,530-18.7% | $3,540-64.8% | $2,552-51.2% |
| Participant deferral / active EE | $4,066 | $2,644+53.8% | $3,968+2.5% | $4,126-1.5% |
| Admin fee / account holder | $537 | $4,281-87.5% | $5,929-90.9% | $7,339-92.7% |