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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 | $26,358 | $111,785-76.4% | $93,669-71.9% | $145,877-81.9% |
| Participation rate | 88.9% | 74.2%+14.7pp | 68.7%+20.2pp | 80.3%+8.6pp |
| Annual return | 18.10% | 203.79%-185.7pp | 133.59%-115.5pp | 551.28%-533.2pp |
| Employer contribution / active EE | $1,494 | $3,096-51.8% | $2,424-38.4% | $4,663-68.0% |
| Participant deferral / active EE | $4,383 | $4,919-10.9% | $4,416-0.7% | $6,691-34.5% |
| Admin fee / account holder | $5,791 | $10,256-43.5% | $8,291-30.2% | $13,402-56.8% |