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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 | $29,064 | $111,785-74.0% | $93,669-69.0% | $145,877-80.1% |
| Participation rate | 71.4% | 74.2%-2.8pp | 68.7%+2.7pp | 80.3%-8.9pp |
| Annual return | 11.28% | 203.79%-192.5pp | 133.59%-122.3pp | 551.28%-540.0pp |
| Employer contribution / active EE | $2,178 | $3,096-29.7% | $2,424-10.1% | $4,663-53.3% |
| Participant deferral / active EE | $2,742 | $4,919-44.3% | $4,416-37.9% | $6,691-59.0% |
| Admin fee / account holder | $642 | $10,256-93.7% | $8,291-92.3% | $13,402-95.2% |