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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 | $44,152 | $115,796-61.9% | $101,264-56.4% | $158,950-72.2% |
| Participation rate | 91.7% | 79.4%+12.3pp | 75.8%+15.9pp | 82.0%+9.7pp |
| Annual return | 23.04% | 56.15%-33.1pp | 46.48%-23.4pp | 302.91%-279.9pp |
| Employer contribution / active EE | $1,572 | $4,175-62.4% | $3,660-57.1% | $4,762-67.0% |
| Participant deferral / active EE | $6,424 | $4,958+29.6% | $4,370+47.0% | $5,983+7.4% |
| Admin fee / account holder | $683 | $7,247-90.6% | $5,947-88.5% | $11,248-93.9% |