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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 | $33,839 | $105,200-67.8% | $159,474-78.8% | $85,847-60.6% |
| Participation rate | 86.7% | 75.8%+10.9pp | 82.8%+3.8pp | 69.3%+17.3pp |
| Annual return | 16.11% | 45.08%-29.0pp | 263.68%-247.6pp | 318.61%-302.5pp |
| Employer contribution / active EE | $1,614 | $3,319-51.4% | $4,831-66.6% | $2,565-37.1% |
| Participant deferral / active EE | $8,041 | $5,946+35.2% | $7,353+9.4% | $3,952+103.5% |
| Admin fee / account holder | $1,587 | $6,934-77.1% | $10,802-85.3% | $6,261-74.7% |