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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 | $34,137 | $115,796-70.5% | $101,264-66.3% | $158,950-78.5% |
| Participation rate | 85.0% | 79.4%+5.6pp | 75.8%+9.2pp | 82.0%+3.0pp |
| Annual return | 22.82% | 56.15%-33.3pp | 46.48%-23.7pp | 302.91%-280.1pp |
| Employer contribution / active EE | $2,809 | $4,175-32.7% | $3,660-23.3% | $4,762-41.0% |
| Participant deferral / active EE | $4,652 | $4,958-6.2% | $4,370+6.4% | $5,983-22.2% |
| Admin fee / account holder | $821 | $7,247-88.7% | $5,947-86.2% | $11,248-92.7% |