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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 | $27,388 | $106,918-74.4% | $84,021-67.4% | $152,897-82.1% |
| Participation rate | 81.0% | 75.2%+5.7pp | 69.0%+11.9pp | 82.5%-1.5pp |
| Annual return | 36.93% | 105.01%-68.1pp | 71.32%-34.4pp | 345.43%-308.5pp |
| Employer contribution / active EE | $3,222 | $2,735+17.8% | $1,984+62.4% | $4,764-32.4% |
| Participant deferral / active EE | $8,240 | $4,012+105.4% | $3,239+154.4% | $5,851+40.8% |
| Admin fee / account holder | $429 | $8,288-94.8% | $6,102-93.0% | $11,599-96.3% |