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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 | $17,129 | $118,875-85.6% | $96,572-82.3% | $167,553-89.8% |
| Participation rate | 78.3% | 75.5%+2.8pp | 69.8%+8.4pp | 82.1%-3.9pp |
| Annual return | 16.13% | 50.50%-34.4pp | 37.79%-21.7pp | 478.89%-462.8pp |
| Employer contribution / active EE | $1,613 | $3,121-48.3% | $2,357-31.6% | $4,840-66.7% |
| Participant deferral / active EE | $4,452 | $4,617-3.6% | $3,850+15.7% | $6,343-29.8% |
| Admin fee / account holder | $586 | $8,070-92.7% | $6,183-90.5% | $12,316-95.2% |