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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 | $28,021 | $115,780-75.8% | $101,255-72.3% | $158,931-82.4% |
| Participation rate | 88.2% | 79.4%+8.9pp | 75.8%+12.4pp | 82.0%+6.3pp |
| Annual return | 19.09% | 56.14%-37.1pp | 46.48%-27.4pp | 302.86%-283.8pp |
| Employer contribution / active EE | $1,971 | $4,175-52.8% | $3,660-46.1% | $4,761-58.6% |
| Participant deferral / active EE | $3,902 | $4,958-21.3% | $4,370-10.7% | $5,982-34.8% |
| Admin fee / account holder | $534 | $7,246-92.6% | $5,946-91.0% | $11,247-95.3% |