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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 | $17,884 | $114,093-84.3% | $96,171-81.4% | $167,536-89.3% |
| Participation rate | 72.7% | 75.1%-2.3pp | 68.4%+4.3pp | 82.1%-9.4pp |
| Annual return | 15.83% | 190.00%-174.2pp | 192.04%-176.2pp | 478.82%-463.0pp |
| Employer contribution / active EE | $1,118 | $3,429-67.4% | $2,799-60.0% | $4,839-76.9% |
| Participant deferral / active EE | $1,903 | $5,197-63.4% | $4,350-56.3% | $6,342-70.0% |
| Admin fee / account holder | $3,489 | $6,899-49.4% | $5,538-37.0% | $12,315-71.7% |