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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 | $40,643 | $109,967-63.0% | $97,197-58.2% | $145,877-72.1% |
| Participation rate | 77.8% | 76.0%+1.8pp | 72.7%+5.1pp | 80.3%-2.5pp |
| Annual return | 12.35% | 244.27%-231.9pp | 75.47%-63.1pp | 551.28%-538.9pp |
| Employer contribution / active EE | $1,824 | $3,077-40.7% | $2,723-33.0% | $4,663-60.9% |
| Participant deferral / active EE | $6,087 | $4,676+30.2% | $4,263+42.8% | $6,691-9.0% |
| Admin fee / account holder | $670 | $6,199-89.2% | $5,637-88.1% | $13,402-95.0% |