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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 | $27,876 | $115,810-75.9% | $101,271-72.5% | $158,966-82.5% |
| Participation rate | 80.0% | 79.4%+0.6pp | 75.8%+4.2pp | 82.0%-2.0pp |
| Annual return | 13.08% | 56.15%-43.1pp | 46.48%-33.4pp | 302.95%-289.9pp |
| Employer contribution / active EE | $1,166 | $4,175-72.1% | $3,660-68.1% | $4,762-75.5% |
| Participant deferral / active EE | $2,191 | $4,958-55.8% | $4,371-49.9% | $5,983-63.4% |
| Admin fee / account holder | $328 | $7,248-95.5% | $5,948-94.5% | $11,250-97.1% |