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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 | $19,057 | $100,139-81.0% | $85,187-77.6% | $145,884-86.9% |
| Participation rate | 73.3% | 74.1%-0.8pp | 67.5%+5.8pp | 80.3%-7.0pp |
| Annual return | 14.54% | 84.15%-69.6pp | 66.67%-52.1pp | 551.85%-537.3pp |
| Employer contribution / active EE | $1,722 | $3,238-46.8% | $2,732-37.0% | $4,662-63.1% |
| Participant deferral / active EE | $5,311 | $5,296+0.3% | $4,525+17.4% | $6,690-20.6% |
| Admin fee / account holder | $1,514 | $7,262-79.2% | $6,162-75.4% | $13,392-88.7% |