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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 | $23,136 | $111,830-79.3% | $93,696-75.3% | $145,884-84.1% |
| Participation rate | 77.8% | 74.2%+3.6pp | 68.7%+9.1pp | 80.3%-2.5pp |
| Annual return | 9.80% | 204.08%-194.3pp | 133.74%-123.9pp | 551.85%-542.0pp |
| Employer contribution / active EE | $3,500 | $3,093+13.2% | $2,422+44.5% | $4,662-24.9% |
| Participant deferral / active EE | $2,581 | $4,920-47.5% | $4,417-41.6% | $6,690-61.4% |
| Admin fee / account holder | $510 | $10,249-95.0% | $8,287-93.8% | $13,392-96.2% |