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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 | $15,158 | $111,878-86.5% | $93,727-83.8% | $145,897-89.6% |
| Participation rate | 84.6% | 74.2%+10.4pp | 68.7%+15.9pp | 80.3%+4.3pp |
| Annual return | 32.46% | 204.28%-171.8pp | 133.83%-101.4pp | 552.29%-519.8pp |
| Employer contribution / active EE | $1,286 | $3,092-58.4% | $2,421-46.9% | $4,663-72.4% |
| Participant deferral / active EE | $3,225 | $4,920-34.4% | $4,417-27.0% | $6,689-51.8% |
| Admin fee / account holder | $608 | $10,256-94.1% | $8,292-92.7% | $13,390-95.5% |