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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 | $12,643 | $111,830-88.7% | $93,696-86.5% | $145,884-91.3% |
| Participation rate | 80.0% | 74.2%+5.8pp | 68.7%+11.3pp | 80.3%-0.3pp |
| Annual return | 19.73% | 204.08%-184.3pp | 133.74%-114.0pp | 551.85%-532.1pp |
| Employer contribution / active EE | $1,229 | $3,093-60.3% | $2,422-49.2% | $4,662-73.6% |
| Participant deferral / active EE | $6,499 | $4,920+32.1% | $4,417+47.1% | $6,690-2.9% |
| Admin fee / account holder | $807 | $10,249-92.1% | $8,287-90.3% | $13,392-94.0% |