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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 | $26,985 | $70,366-61.7% | $66,674-59.5% | $138,895-80.6% |
| Participation rate | 76.9% | 76.2%+0.7pp | 73.7%+3.2pp | 79.9%-3.0pp |
| Annual return | 16.44% | 386.41%-370.0pp | 321.24%-304.8pp | 145.39%-129.0pp |
| Employer contribution / active EE | $1,790 | $2,765-35.2% | $2,620-31.7% | $4,194-57.3% |
| Participant deferral / active EE | $3,669 | $4,374-16.1% | $4,084-10.2% | $6,396-42.6% |
| Admin fee / account holder | $4,724 | $5,262-10.2% | $5,098-7.3% | $12,562-62.4% |